House Hack section 8 (creative/doable or no)

[Dame Notnow]

Is this scenario doable?

Get FHA loan on 2bd/1 bath condo, rent to coworker who's on section 8, coworker allows me to stay there.

Wouldn't the Occupancy requirement be met since I’m living there? All utilities would be under my name.

In all likelihood I’d move out in 4 years

[Cara Lonsdale]

I smell fraud.

Your idea is creative enough.  If you were talking about a duplex instead of a single unit, this would be a doable scenario.  However, if your roommate is obtaining section 8, they are most likely required to occupy the entire unit.  Their section 8 voucher (funds) are based on the bedroom count and person count.  My understanding is the Section 8 doesn't allow for benefits of renting just a room out of a property.  

So, if you are "double dipping" by also using the property as YOUR residence to fulfill FHA requirements, you are creating a fraudulent situation for your roommate. Your FHA obligation would be met if you are living there as your primary residence, but his/her obligation to Section 8 would not be on the up and up.