House Hack Duplex - why is it a FHA loan and not conventional

[Tom Hastert]

Why is it always mentioned you househack using an FHA loan and not a conventional? FHA is usually a higher rate and upfront mortgage insurance premium, which needs to be refinanced off later requirement more closing costs when you do your second duplex house hack.

Is it because the one year requirement to live in the duplex?  Do conventional loans also have the one year live in rule requirement before you can move out and do your second house hack?

I tried finding lenders to explain my strategy, and the lender told me she would have to "convert my first loan back to an investor loan".  This sounds like she is going to call my loan due when I move out and do my second househack???

So can someone help me understand this and what do I do to make sure I am getting into this first one correctly with the right lender so I don't get into a snag a year later when I want to buy my second househack and move out of my first one and into the second one.

thanks

Tom