I am days/weeks away from trying it at my personal residence.  3500 sqft but only two people using it, so not sure how good of a test it will be. 

Unfortunately, going from FHA on the departing residence to a ne FHA loan can almost never work for a few reasons. 

The property either has to be zoned a commercialZoning or - you have to own both HPR parcels and have one be a primary residence .

To the nuts and bolt question of what defines occupancy, it is the place you reside and spend the majority of your time/nights.

Well if you go together it could split it and get basically nothing - spend $2-3k file a lawsuit and get a judgment you are first in line… Also in many instances you can slap that judgment on his personal residence as well and foreclose on that.

Quote from @Irina Badal: I heard for anonymity purpose it’s advisable to set up a personal residence trust.

out of state is more difficult than advertised. do you already own a primary residence? 

I did that with my first two primary residences.

First, are you looking to buy a single family residence or another type of property? 

@Edreco AmosHello,I reside in Miami and I do agree with everyone else.