Owner occupied loans questions?

[Diana Villalon]

I have questions about convention loans, if anyone in field and with experience and knowledge can help, much appreciated. 

I live about 30 mins north of my work. I purchased a condo 13 months ago thru an FHA loan 3% down. I have saved enough now to put down 5% and move closer to work and get another condo with 2 baths instead of one (the one i have now is just 1 bath). I have a friend moving in so it'll be a semi version of house hacking and renting the other condo.

I spoke to 3 different lenders so far, one swears i can qualify for another condo no matter how close it is from my current one. One lender says, absolutely not, an underwriter is going to question and say it's should be an investment property, loan won't go thru with 5% (owner occupied). 

anyone has some experience with this?