Gregorio's point below is that whether or not you pay the point "up front," on a two-unit property your lender will be pricing in a 1% charge either to the rate or to the cost (points). So you could still get a "zero point" two-unit home loan, but your rate would be higher on it than if the property were a 1-unit.
Hope this helps, but let me know if not.
The answer is yes, you have to pay 1 point for a 2 unit property, you can shop 100 lenders and you will get the same answer.
Page 4 for those that insist on answering mortgage questions: https://www.efanniemae.com/sf/refmaterials/llpa/pdf/llpamatrix.pdf
If you would like some varios referrals to be able to make these comparisons, contact me off line at Gail@GailGladstone.com or 631-425-6150