Are all 22 condos in the same building? If they are, then you are looking at a multi-family property, rather than a 1-4. but if you have multiple buildings all containing 1 - 4 condo units, I agree you have a 1-4 family property.
If some of the condo units are truly used as permanent residences for families, I might walk on the side of caution and report as HI.
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