House hacking question

[Mylene Mejia]

I bought our primary residence via FHA loan and in the papers it said we have to live there for a year... It has now been 2yrs and some months... So I was getting ready to buy another house with a conventional loan with 5% down.. making the 2nd property as primary and turning the 1st property into a rental... When I called a lender, they said this cannot be done and is considered a mortgage fraud... They said I have to have a good reason to transfer for the underwriters to approve it... I called my realtor and ask if there's any lender she might know who can approve me for the thing I'm trying to make... And after some calls and question, she said the same thing... Am I missing something? because I've heard in the podcasts where people where people did