I've seen a video on youtube froom "Commercial Property Advisors" saying that it is actually better to buy a 5+ until as opposed to a 4 unit building because then the loan is commercial and the property cash flows factor into the evaluation of the property in underwriting (in addition to you still being checked out for income, assets, debt, etc.), whereas with residential, you can qualify for residential on just your income and assets alone, no evaluation of the property.  

Also, we don't know what your gross monthly expenses (including debt service, OpEx, CapEx, insurance & property management fees) would be on those properties, after pulling the equity out and/or after the refi.  

I will give them one week to fix it and then I will put in a complaint with my credit card company.

If you are going to do that just get  a 4 plex with long term low-fixed debt for 30 years with 20% down.A 5 is above getting a good loan on and too small for the better commercial loans. 

I don't like my clients to be mortgaged to the hilt and in debt up to their ears (ironic considering what I do, I know), so I always give a little talk about how *guaranteed* ROI on paying debt down early is exactly equal to the interest rate on said debt.

You also will need to pay for your MLS fees, sentry card access, and whatever fee you pay your sponsoring broker (if any). 

Hire a RMLO or Mortgage Broker to be able to look through a credit application and a mortgage applicationLook at debt to earnings ratio or DTI, look at credit, look at length of employment, look at length the residency in the area,You need to sell to the tenant buyer the neighborhood and for them to want what the house offers the family,  to be able to step into that opportunity to get out of that apartment or rental property. 

@Nicholas V. probably late a year later but for others: Yellowletters.com also has a platinum card for around $200 that gets you 15% off for 6 months.

@Robert Rodriguezsure biz cards with info would be helpful.

Based on the info you provided, it sounds like you have around $100k to put down while carrying $300k in debt service per property.