@Sam FaasAn owner financing agreement between buyer and seller should always be memorialized in a written document that includes the specifics of the deal.

@Zac Gorski review your closing documents carefully 1) if owner occupied mortgage, it usually requires you occupy x days from closing date (ours was 60) so maybe ask insurance and mortgage for extension if needed. 2) does your state have some rule where you can end a lease early to move in?

Some lenders have specific guidelines on how often you can rent the property out and may ask for documentation proving that it’s for your personal use for part of the year.2.

That is their job to walk with you through the entire process including the time periods and identifying the requirements for reinvestment as well as documentation. 

You have three separate categories here: lending, legal, and tax.For the lending side, the lender has a clause in the loan documents in 99.9% of loans that allows them to "call" the loan if their is a change in ownership of the property.

Especially if you have documents to prove your story.3.

Fortunately I had saved all documents from their website and was able to find the tenants email address as a starting point.

Building permit lists are public records that document permits issued by local government authorities for construction, renovation, or demolition projects.

Make sure you document the timeline of events and get as much documentation from the people you evaluate the situation.

I’ve reviewed my Closing Disclosure and gathered all necessary documents, but I’d love to hear from those who have been through the process.