Can I have two primary homes in the same city for 5% owner occupied lending

[Mark Kille]

I am stronging considering buying a tri-plex in the same city I live with my wife and kids.  For this purchase, I would love to use the new 5% down on lending if the 2-4 multi-family unit is "owner occupied."  My preliminary research indicates that this might be possible (without committing fraud!) if I apply for the lending on my own.  Specifically, that husband and wife could each own their separate primary residence.  Is this too risky?  I might actually live in one unit in the tri-plex.  Or, my oldest daughter might live there too.