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Updated over 4 years ago on . Most recent reply
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FHA owner occupant question involving recent marriage
Long story short. I decided to start my real estate investing business this year and closed on my first property on 8/5/2020 with an FHA loan as I was using a house-hack strategy on this first duplex in North Carolina.
In a somewhat unexpected turn of events, my partner and I eloped last week. However, for familial reasons, she will be moving to to PA next week and I plan to follow her as soon as I can. Right now the only things I have to do here to move to PA is finish the basic repairs I planned for this house including a little work to manage a drooping floor, roof replacement, and some electrical work. I plan to get a property manager to manage this place locally.
So the problem is that the FHA loan requires I live in the property for a year. In your experience, can this requirement be waived by my recent marriage and planned relocation? Or will I have to refinance to a conventional mortgage to move on?
Thanks for the help!