IF function with multiple conditions

I've been trying to figure this out for the past two hours. I need to create a nested IF statement based on this info. Here's the question:

Incentive: A dollar amount which is based on a percentage discount of the house price as indicated on the Data section of the spreadsheet. It's given only to selected customers complying with any of these conditions:

• The house located in New Jersey, zone 2 and is a multiple dwelling.
• The house located in California, zone1.
• The house located in Florida, single unit.

And here's an image of the Excel provided:

This is what I currently have:

=IF(OR((B10="New Jersey", C10="2", D10="Multiple"), (B10="California", C10="1")), ($B$4*E10), "No"

Any help is appreciated. Thanks in advance!