I haven't seen this question asked. We have a HMDA reportable loan that recently closed. There are 4 units in the collateral building. Two are full-time dwellings. The other two are AirBNB rentals, rented on a month-to-month basis. My gut tells me to report this as a 4 unit, because that is what is contained in the collateral building, and the two AirBNB units could easily become full-time residences. What's stopping me is that only 2 are currently full time dwellings. Is my initial thought correct? this is a 4 unit?
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