Bypassing FHA 1-year owner-occupied requirement

[Shaye Mora]

I'm looking for tips on how to bypass the minimum 1-year requirement on an FHA Loan.

I am currently house hacking a duplex I bought in March 2019 and just recently bought a SFH on June 1st. The duplex is under an FHA loan, which requires me to live there for a minimum of one year extending out to March 2020. The SFH has a 2-car garage for storage and a fenced in backyard for my dog. By moving into the SFH, I'll be generating more income when I get a tenant in the other side of the duplex when I move out.

My question for biggerpockets is, how can I bypass the FHA 1-year requirement? How/when do they even look into this requirement? Is it the utility bill? The mailing address?

Thanks in advance, BP!