You are going to want to talk to several professionals in your state for this one as it is a legal maneuver that amateurs or even professionals not familiar with the details of your situation on the internet probably aren't going to be able to help with much.

I am a first-time home buyer in a complicated situation.

People can only answer based on their experiences which may be totally different from the actual situation you're in, even if the surface questions (should I get a 7/1 ARM?)

Which reminded me of AJ’s situation 

The situation itself is a police issue, not a landlord issue. 

@Brian Murray a lender would be best equipped to handle this question, but for most secondary loans (Fannie/Freddie) that I've seen you'll need to go FHA to take advantage of lower downpayments with an owner occupant situation. 5% down conventional is typically single family residences.

So I ran into a situation.

Tough situation

I’m positive there are people here who know much more about the entire situation than I do, I just want to get a discussion started to see what you guys are thinking.

I’m positive there are people here who know much more about the entire situation than I do, I just want to get a discussion started to see what you guys are thinking.