questions about not living in a house hack

[Christopher Yang]

I am living with my parents rent free and have enough saved up to buy a duplex. Instead of renting out one unit to a tenant and one bedroom to a roommate and sleeping on a couch for a year, I figured I could rent out both units right away and continue living with my parents. Both places are close enough to my workplace that the commute wouldn't be highly affected. I know with the residential loan I am supposed to live in the duplex for a year but who's to say that I don't live there if I just change my mailing address and visit once in a while? Would the bank send someone out there to verify? It would still be hard to argue that I don't live there if I leave some of my stuff there and spend some time there. What would be the ramifications if they find out that I don't live there? It would be much more comfortable having my own bedroom in my parent's house than sleeping on a couch or a trailer outside the property  for a year and my parents are fine with me living with them for however long I want. This way I could save up even more and get an even better house next year. Any comments or answers would be appreciated.