Should I buy a two-family or a larger multi-family in Johns Island?

Choosing between a two-family and a larger multi-family in Johns Island comes down to financing more than preference, since a two-family typically qualifies for standard residential loan programs while anything larger usually needs commercial financing with different down payment and reserve requirements. Johns Island's mostly rural Sea Island lots also affect septic capacity for multiple units. Brian Beatty can walk through which size actually fits a specific Johns Island buyer's loan program.