Converting from a rental property to primary home,

[Wendy S.]

So I understand I can't get a primary loan then rent the property, without living there for 1yr, but what about the other way around? If I purchased as an investment property, but wanted to make it a primary within 3 months how could I do this?

Here's my situation, I have 3 month's left on satisfying my 1 yr residency requirements based on an owner-occupied refinance. House has come on the market that I would love to house hack as a primary residence but alas I don't qualify. I'm pre-approved for an investment loan with the option of 15/20% down payment.

But as stated before, I would rather this new house to house hack especially seeing that I could personally use the inlaw suite with its own kichen, living, dining and laundry with minimal work needing for this configuration.

Any suggestions anyone, without the obvious being, wait or the three months which is not an option.