I am beyond the two years required.What I am trying to do is find a way to buy a multifamily using FHA 3 1/2% down payment as opposed to 20% or 25% as an investment property.I have a situation where it would be beneficial for me to try and help my mom and my sister move into a place  because I can afford to purchase it… The grey area is whether or not they are considered family members per FHA guidelines to qualify for the 3 1/2% down payment. on the FHA website… It says family members are considered parents, sisters, brothers, etc.I am definitely not trying to do anything illegal, I just thought maybe if I sell my primary residence… I could buy the multiunit per FHA guidelines as long as my mom and my sister are considered family.I have been told that the 12 month or 24 month living requirement only requires one family member to live in the home… So if my mom and my sister are considered family members… Does that meet the requirement? 

To me the primary consideration is ALWAYS business, as opposed to taxes.And here is why business interests dictate the opposite of what these gentlemen suggested.a.

Sometimes listing agents will be opposed to taking an offer with a VA loan because they can have a more strict appraisal but it's still very achievable to lock something up with one. 

I am personally opposed to buying crappy homes in bad locations.  

The commission will simply be included in each offer, as opposed to listed on the MLS.

That way you're surrounded by a team who can help you as opposed to figuring it all out on your own.

Do some data-based analysis to determine if this investment makes sense as opposed to emotion driven decision making.

@Andrew NidaThis is a bit tricky since this sounds more of an emotion problem as opposed to a financial one.

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Would you pay for a subscription model say $1000 a month where you got access to knowledgeable investor agent who had zero stake on if the transaction closed but provided you with local knowledge, strategies, ran comps, looked over deals, even looked over home inspection reports, talked in the phone, basically a consultant (you could possibly tack on services like writing offers or seeing a property in person) my thought is if you buy a property relatively quickly, it’s much cheaper than paying 2.5% even if you end up paying for the service for a few month’s and realize it’s not a good time for you to buy you are only out a few thousand dollars as opposed to hundreds of thousands of dollars, this would basically take the agent’s need to sell you a home out the process, presumably there motivation would be to keep you subscripted for as long as possible but you could easily just cancel and if you were interested in buying later resubscribe than.