We consider three- and four-level atomic lasers that are either incoherently (unidirectionally) or coherently (bidirectionally) pumped, the single-mode cavity being resonant with the laser transition. The intra-cavity Fano factor and the photo-current spectral density are evaluated on the basis of rate equations. According to that approach, fluctuations are caused by jumps in active and detecting atoms. The algebra is considerably simpler than the one required by Quantum-Optics treatments. Whenever a comparison can be made, the expressions obtained coincide. The conditions under which the output light exhibits sub-Poissonian statistics are considered in detail. Analytical results, based on linearization, are verified by comparison with Monte Carlo simulations. An essentially exhaustive investigation of sub-Poissonian light generation by three- and four-level atoms lasers has been performed. Only special forms were reported earlier.