Has anyone run into this scenario and are there any solutions: My husband has relocated to New Bedford, MA and I am still at my job in Dallas. We were hoping to purchase an owner occupied multifamily home in New Bedford to house hack before I looked into changing jobs and physically relocating to MA, although I would immediately change my residency to MA upon purchase and my husband would be occupying one of the units. However, I have been told by a MA mortgage banker that FHA and MassHousing will require a letter from HR stating that I am able to work remotely or that my move would not impair my employment status. Since I work for a State University Medical Center, HR says they can only verify employment dates and salary which leaves me unable to provide the necessary documentation. As the primary income earner, we cannot qualify without me being on the loan.

In a similar vein, USAA will only loan in this situation if it is structured as a "second home" rather than a primary residence. However, they will not loan on a multifamily property as a second home.

Any suggestions as to how I can make this situation work?