Gutted the kitchen and dining/living room area.

While you’ll probably be able to eventually prove you’ve been living there.

If you're willing and able, I do recommend the "house hacking" strategy which is just a fancy name for buying a rental property and living in one of the units, because you'll get very favorable financing - an owner-occupied fixed-rate 30-year mortgage.I'd also say, analyze that property as if you won't live there and it's a pure rental, and make sure the property is still cash flow positive if there's a tenant in your unit because then you'll know if it's actually a good investment.And when you analyze it, include payment of a property manager in your #s because if you don't, and doing so would make it go cash flow negative, then you've just bought yourself a job because you literally can't step away from managing it without losing money.

Quote from @Kamal Martin: Quote from @Julian Zamora:Thanks for the info,No I don't live n PR do you? 

I grew up north of San Francisco and then moved to live and invest in Reno, NV.

I used to live in the city and the taxes and water bills are nightmares.

You could bring less down and possibly have a lower interest rate since you will be living there.

If you are living there you can keep the 4% rate.If you are not living there you can rent it out to pay for the property taxes. 

When I tried to get it when my side of the family found out and tried tp take over reverse mortgage payments to bank because she had died it was to late so they sold the house to Hud and then other reverse mortgage companies but a relative still lives there so they can't kick them out.

I live here and househack as well - can provide a first hand perspective.