Lender "might not" approve new owner occupied loan after 14months

[Eric Benz]

I purchased a house in Feb 2018 and have lived in it ever since. I'm now interested in renting out my current house and moving into a new SFH or multi-family as owner occupied.

When I asked my lender about this he said:

• "If you buy a new home that is a lower price than your current home, and you have only lived in your current home for about a year, the Underwriter may not allow you to call the new one a primary residence, unless we can document why you are downsizing."

I'm interested if anyone else has ran into this and if there is any way to get around this uncertainty.  I don't want to get in a situation where I have an accepted offer and I can't get underwritten.  Obviously I truthfully do plan on living in the new house as owner occupied so if there's anything I can do to prove my true intent I am happy to do so.