The reality is the opposite - if it's not in writing then the PMC doesn't have to provide the service or can charge extra for it!

I think if you can write a solid letter of explanation stating that you are going to commute to Colorado from Washington for 4-5 months out of the year for your job (and why), that should be sufficient enough to run this as a primary residence. 

I provide them with the rent amount and they write a check in their name. 

Get things in writing before you get too far down the road.

Write done in the SOW everything that is expected to happen in the process.

Depreciation, the tax write off from my then high paying job had value.Over time, rents increased and property value went up.

I have a new builder now, but because the roof is already on and it is 80-90% complete, I can't find anyone who will write a builder's risk policy for it.

I am an active duty Navy and have experience in buy and hold rental, multifamily syndications and under writing.

Unless she writes it as non contingent and as is. 

You should still buy an owner occupant in your local market always though to use the low money down loans and interest write offs.