In many areas, rooming houses or SROs are "protected," in that the municipality uses them to fulfill a social purpose (cheap housing).

The reason I say that is simple: To fulfill you dream, the property you buy must meet the criteria for a good rental later on!

By definition the question you have just asked is self fulfilling.

If markets were actually that predictable everyone would sell at 17.75 years and buy back at year 19 and the whole concept would be a self-fulfilling prophecy. 

Also, 2 people in a long term relationship are not likely to have separate homes, so be careful that you really do fulfil the occupancy requirements so you do not blow chances of future mortgages to build your wealth.

If they did not submit an order, then there's no evidence that there were issues and no reason your insurance company should only side with one side of the story that is entirely verbal.If you have evidence that the septic maintenance company was not maintaining the system and fulfilling their part of the contract, you may be able to take them to small claims court.

@Estefania NavasYou have lived in the property for more than 1 year, so you have fulfilled your legal FHA owner occupied loan requirement.To rent, all you have to do is move out and rent as you wish.

Trying to deviate from "money = time" just means you're introducing reliability / fulfillment issues (see: threads on this very forum about "omg my HML  backed out at the 11th hour!"). 

You need a compelling balance sheet reason as to why you plan on fulfilling the lease, BUT can't have the guarantee on your BS.

I managed a rental to a married couple and her husband was deployed but she stayed back and fulfilled the lease.