If you don't have a qualifying life event it is mortgage fraud to move in with the intent of not staying a year.The issue using this for long term growth is you can only have 1 FHA loan at a time.  

(a) The Legislature finds and declares that homeowners whose residences are in foreclos ure have been subjected to fraud, deception, and unfair dealing by home equity purchasers.Full reading will discover jail and monetary fines apply

Perhaps things will change in the future and I will meet someone identical to me or perhaps even smarter and more trustworthy.  

I don't want to step on toes, but each group has its own personality, its own identity.

The issue we're having is that the mortgage specialist is that the underwriters won't approve of a mortgage because they won't believe that my friend is going to leave his wife to come owner-occupy a property with me due to the possibility of "occupancy fraud".

We are in a nearly identical situation my lender and accountant have both agreed this is a complicated one.

Things I will typically not overlook are violent crimes, domestic abuse situation, sex offenders, crimes involving fraud.

Yes, I do plan on staying in the house but just want it to be easily rentable if we move out of the area in 1-2 years due to the nature of job etc. also, if it is going to be fraud i will miles away from it.

Should I start marketing to motivated sellers without a business identity ?

If you are obtaining a loan at owner/occupant rates and do not use that home as a residence you are committing fraud.