FHA loan occupancy loophole?

[Michael Blizniak]

Hello I'm new to this forum here, made an account today. I'm 20 years old have a job with decent income for my age and living at home so I have virtually no bills. Both of my parents own their own business. My mom a hair salon with 3 apartments over the salon my father a landscaping business and also has 3 units over his garage where he keeps his equipment. So not very advanced but I have some experience in helping rehab, dealing with tenants when parents were unable and a general understanding of how everything works. I am itching to get into rental properties, my plan is to save a majority of my income as I have no real bills and obtaining a FHA loan and putting down 10% cash vs the minimum 3.5% to increase chances for a 4 unit home. Unless their is something I don't know I don't believe I will have an issue doing this as I know rental income will count toward my income. However what I want to know and been trying to research is if there is any way around having to occupy one of the units for a year? Maybe live there on paper and have my mail routed to a PO box? Don't want to do anything illegal just looking to see if there are any solid ways to get around that loop hole. Thanks to anyone who reads and responds, exited and eager to be a part of the forums