Refinancing an FHA Loan

[Zander Dragony]

If I buy a property with an FHA loan but have someone co-signing in order to use their income on the application, would the person co-signing also have to occupy the property for the first year, or can I be the only occupant?

Also, if I did a cash out refi to another FHA loan a year later would I have to occupy the property for an additional year, or would I be able to then move out.

Thanks!