House Hack Loan Terms

[Justin M Christian]

I came across a duplex where I could get a 22% cash on cash if I house hack.

My portfolio lender requirements:

If I house hack
20% downpayment 
30-year term

If Both Sides are Rented
25% downpayment
15-year term

I am curious about what happens if I house hack for a couple years then move and rent both sides? Will I have to change the terms in my loan to a 15-year loan or will I be able to keep the 30-year term and only increase my equity to 25%? This would be my first property, so I want to make sure my projections are accurate. 

If I can get the 30-year term after moving, It would be ~15% cash-on-cash. If not, it's about 4-5% and would really hurt my cashflow.