House Hacking Discussion

[Tyler Codd]

Hello All,

I am looking to buy a primary residence in the coming months, and I love the idea of house hacking. One general question that I have relates to the amount of time you must call the property "your primary residence" in order to avoid being deemed fraudulent. If I were to finance using a FHA or other institutional loan, only paying say 3-5% down, would I be forced to refinance and decrease my LTV ratio upon using the property 100% for investment purposes?

Thanks in advance for the feedback!