Financing 4 Plex with FHA guidelines

[John Chea]

Emailed to my loan officer today about an FHA Loan on a 4 Plex I planned to occupy. She has said some things that have me a bit confused.

"Yes we could actually do FHA with 3.5% down. You would have to occupy the entire property as your primary residence"

"If you are planning on renting it out, then you would need to purchase as an investment property. A couple questions for you to know if primary residence is an option, is it currently rented out & would any of the renters be staying? If any renters are staying, we would 100% have to proceed with the investment property purchasing guidelines."

It sounds like I won't be able to rent out the other units under FHA loan. Is this accurate?