House Hack Question

[Noah Stout]

Hello,

I am getting a duplex to house hack in and am getting a FHA loan for 3.5% down.

My question is since i am getting a fha loan and the property will be my primary residence and the other side being rented out, will I just have to take on the risk of renting it out for a year without it being under a LLC? Or is there a way to get a loan for my LLC from the beginning?

would an option be to transfer ownership to LLC after a year? And if that's an option is there any stipulations with my FHA loan, or if I were to refinance down the road?