---
canonical_url: https://lendb.ai/s/multi-family-2-4/michigan
last_verified: 2026-10-09
---

# 2 to 4 unit property loan officers in Michigan

As of 2026-10-09, LenDb lists 2 loan officers licensed in or based in Michigan whose lender pages show 2 to 4 unit property work. The top-ranked are Greg Kohlhagen (Union Home Mortgage, Sandusky) and Amilia Cao (Loan Factory). Ranking is lender-neutral: specialty evidence first, then a license in MI, branch location, experience and profile completeness. Nobody pays for placement.

## Ranked, with reasons

1. **[Greg Kohlhagen](https://lendb.ai/lo/greg-kohlhagen-2100313)** (NMLS 2100313), Union Home Mortgage, Sandusky, OH
   - Lists 2 to 4 unit property on lender page (lender page, verified 2026-10-09)
   - MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - States 18 years of experience (lender page, 2026-10-09)
2. **[Amilia Cao](https://lendb.ai/lo/ai-cao-2424062)** (NMLS 2424062), Loan Factory, IL
   - Lists 2 to 4 unit property on lender page (lender page, verified 2026-10-09)
   - MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2025 (per Florida records)

## Questions to ask

- How much of the projected rental income can count toward qualifying?
- Can I buy this with FHA or VA if I live in one unit?
- What reserves do you require for a 2 to 4 unit property?

Cite as: LenDb.ai, https://lendb.ai/s/multi-family-2-4/michigan.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._