How long does an owner need to occupy an "Owner occupied building

[Anastastia Disbrow]

Hello, I purchased a duplex in Oakland, California and I claimed owner occupy on my loan. I occupied a unit for almost 1 year and I'm getting ready to move out. If I move out will I ever be able to refinance my loan, if I technically don't occupy? If I don't occupy the rental will my loan terms change? Will my loan be converted to non-owner occupy?

Thanks in advance!