As the owner of 2x 48V/5kVA Quattros, I'll disagree with you 1000%. They are rated for 5kVA. ALL INVERTERS ARE RATED FOR VA. Victron complicates it by putting it up front and then listing different Watt rating. Inverter ratings are for a power factor of 1.0. Go dig into the specs of a Magnum or Outback, and you'll see that while they say Watts everywhere in marketing materials, they actually say VA in their specifications.
If I had to do it over again, I would have gone with the MP/MP-II. At the time I bought my Quattros, there wasn't a 5kVA/48V MP/MP-II. Have ZERO need of a second AC input.
A Quattro and a Multiplus are identical aside from the second AC input.
Yeah. With inefficiencies, it will be at that BMS limit.