FHA loan to house hack, Has anybody had a bad experience?

[Brian Bertschi]

I'm wanting to house hack a duplex or 4plex and a FHA loan at 3.5% sounds really enticing. The banker I spoke to said it is owner occupied, which I understand. I've heard after a year you can rent out all units, but I've also heard that it is year occupied and 25% payoff on the loan. If anyone has experience with this and could shed some light on the subject would be great. My market is St Louis, MO.