FHA Loan with Girlfriend?

[David Nguyen]

Hi! My girlfriend and I want to dip our toes into investing and was looking out of state.

I was wondering if we would be able to get an FHA loan as a joint tenancy while unmarried. I read that they would allow if we both live in the property for a year together we wouldn't have problems but if only one person occupies in the home we would pay 25% of the loan (which wouldn't make sense to do an FHA).

If that is true, would it be possible to have me do an FHA loan myself, live there for a year, once I move out I add my girlfriend to the property as a joint?

I want to add my girlfriend to the property because she can provide me the other half of the capital I need to invest. We have been together for 7 years now as well.

Thanks!