Hello everyone and thank you in advance for taking the time to help me with a personal situation. This is my first time making a post on Bigger Pockets so bear with me.

My end goal is to house hack a multifamily home in Washington State as my Primary Residence. My unique situation has me running into dead ends. Wondering if some community wide knowledge could shed light on potential solutions.

My life situation:
I live and work in Aspen, CO from December - April. I have had this job for 3 years. This is the job that would support a conventional loan. I work random jobs and/or travel May-November. I rent in Colorado. I have never owned a home. I don't want to purchase a primary home in Aspen, CO.

My question:

Is there any way that I can get a Washington State property to qualify as my Primary Residence (PR) if my job supporting the loan is in Colorado? For clarification I actually intend to live in this property for the majority of the year. My understanding is that for a lender to offer PR financing I have to live in the unit within 60 days after closing (Not a problem), I have to live in the unit for the majority of the year (I would live there 8 months May-Nov), and the property needs to be near my place of work or a place I have multiple family members (This is the dead end for me). I have spoken with lenders who also say I would need to live in the residence consecutively for 12 months after I move in. For clarification, Aspen job is NOT a remote job.

I have considered partnerships with a Washington friend who could hold the loan and live there for a year and in return receive partial ownership in the property. Not ideal. I have also considered just getting an Investment Property loan and dealing with the less favorable rates and terms. Although, I would like to have first access to foreclosure properties with HomePath's First Look Program, income/capital gain tax benefits from my PR, and more favorable loan terms.

Any thoughts and considerations would be greatly appreciated.

Thank you, Bigger Pockets Community and happy investing out there!

Feel free to reach out with any questions you have about the Aspen, CO area. I was a mountain guide there for 7 yrs. and know of some really amazing hikes, climbs and other exciting activities.

Seattle, Washington

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