Purchasing a triplex , but not moving in til contract is up in one unit loan type

[Tom Server]

I'm in the process of purchasing a triplex. Currently all 3 units are rented with tenants.  2 are month to month and the third  is up in September. Closing at the end of March..  I was thinking about possibly living in the third unit that is up in September. I currently live at my families house, so I do not have a main residences. The only issue is my job is 2 hours away from the triplex, by September I was looking to transfer and find another another job down where the triplex is

   When I apply for my loan would i be able to apply as owner occupied? Or I have to apply as a non owner occupied ?

[Robert Rixer]

Non owner occupied. The best solution in your situation would be to get a non-owner occupied loan with no pre-payment penalties to buy the building then cashout refi in September when you move. You will pay origination points twice but rates are expected to be lower by then as well so it could be worth it.