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Updated over 3 years ago on . Most recent reply

Account Closed's profile image
Account Closed's profile image
Account Closed
  • Rental Property Investor
  • from Norfolk, VA
  • Member since Apr 22, 2020
Connect
Account Closed's profile image
Account Closed's profile image
Account Closed
  • Rental Property Investor
  • from Norfolk, VA
  • Member since Apr 22, 2020
Connect
Account Closed
  • Rental Property Investor
  • Norfolk, VA
1
Votes |
10
Posts
Private Lending & Conventional Mortgage Advice

Owner occupant lending?

Account Closed
  • Rental Property Investor
  • Norfolk, VA
Posted

Hello all,

I purchased a duplex in October last year using an FHA loan. I want to move out but I understand FHA loans have a one year owner occupancy requirement.

I was wondering if it would be possible to qualify for a owner occupant homestyle renovation loan, buy another property, and have the renovation happen now. I would like to time purchase and rehab such that the renovation is complete and I can "legally?" move in at the one year mark. Not sure if having an FHA loan would automatically disqualify me for another owner occupant mortgage within 1 year 🤔.

Any thoughts on if this strategy is plausible? Thanks!

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