Assuming your four-plex is here in the San Diego area, i’ve been seeing four-plexes for around $700k to $900k. There are quite a few variables so I would suggest going to loopnet.com and take a look at properties similar to that four plex and see what their values are.
780 is a very good fico score, similar to mine. I’ve been getting around 6.875% to 7%. With that kind of score, you can probably get any kind of loan you want, from negative amortization to interest only to fixed rate.
If you were able to get an owner occupied loan, the rate would go down to around maybe 6.5%. As for the difference between owner occupying an office and owner occupying a home, I can’t help you there.
