Second FHA Larger Family Size Requirements

[Sean Graham]

Hi! The FHA website says an exception for a second FHA loan may be approved due to increases in family size. I currently have one FHA loan on a 3-unit multifamily home. My family size will be increasing this year because I am getting married. I will meet the one year primary residence requirement on my current FHA loan before I get married. I would like to buy another multifamily home after I get married using a second FHA loan. I do not plan on refinancing my current FHA loan. Both homes would be in Chicagoland, Illinois.

1. Are there any underwriters who work with FHA loans that can tell me what the requirements are to meet the increased family size exception for a second FHA mortgage?
2. Does the unit in which I would be living have to be bigger than the one I'm currently living in now?
3. If it does have to be bigger, how is that determined (by number of bedrooms or square feet)?
4. Does anyone have examples of how they met this exception?

Thanks!

Sean