These loan products are for Owner Occupied Properties ...ONLY. Hence, single family property---no rent.
Multi-Family underwriting risk models are such that to purchase a 2 family, the buyer must be able to afford the property without any rental income. Many families that purchased these homes did not make their payments when the tenant did not pay the rent. These homes went into foreclosure.
Three to four family properties require larger downpayments and 75% of the verified rent must cover the mortgage payment.