Primary residence refinance

[Eudes De leon]

How long do I have to leave in my house before it's considered my primary residence I'm thinking about moving back into my duplex so I can refinance it I say owner-occupied I bought this property 3 years ago I live in it for 2 years I haven't leave in there for one year now I'm thinking about going back but how long do I have to wait before I can refinance . The house is worth roughly 130 and I owed the bank 52 . if I refinance as a investment property the only going to give me 75% of the appraised value higher APR. If I refinance as a owner occupy they will give me 85 in most cases 100% of the appraised value added low APR. Anybody knows more or less how long do I need to wait before I can refinance