@Ahmed Megahed i just dont want to get sued for some sort of fraud or something.

I suggest maybe shopping around to see if you can get it lowered I switched and saved about 500/ year/ property for identical coverage.  

Rent in the area for an identical house goes for about $1600 a month which for me would be only $300 cash flow a month if I decided to go that route.

Do you look and act identical? 

We've had two negative experienecs with VRBO:1) Guest stole our TV's and then disputed their credit card payment2) Guest stayed an extra week without paying.In both cases, we found VRBO:1) Their support was useless2) They don't verify identity of guests, so now drivers license on file3) They use a 3rd party servicer to process credit cards, so couldn't help us dispute the guest's disputeWe even got the police involved and they spoke to VRBO and got nowhere:(Since then we now require ALL VRBO & AIRbnb guests to sign a lease via Docusign and provide a government picture ID.

You are buying it as a primary residence and need to live in it for a year or two otherwise you are committing mortgage fraud.

It's fraud, you know it's fraud, even the legit prescriptions are more likely to coddle than cure, but it's the law and we have to abide by it.

The 3 categories are:1: Second homes - Places people use for dwellings part of the year and leave empty the rest of the year, or maybe let friends and family use it for free.2: Investment properties - Rentals, Air bnb, you use it for 3 weeks and rent it the rest of the time...3: People trying to commit occupancy fraud by saying an investment property is a "second home" because they know it gives them a better rate.  

In the Real Estate Investing world we have a term for this very strategy, mortgage fraud. 

I am going to give a quick run-down of my situation to see if what I want to do would be considered mortgage fraud or finessing the systemI bought property 1 in 2019 and lived in it for 1.5yrs.