For me, I buy NPN's with the intention of keeping the borrower in their homes with loan modifications. 

@Joshua Costa yes that’s exactly what I was saying :)It did some more research and it does appear that less than six months is going to be extremely unlikely to work unless you could show some kind of extenuating circumstance “forcing” you to make the move.Some pages mentioned an FHA affidavit of residency intent that you would have signed at your first closing.

@Darius Thompson does the seller know what your intentions are?

You are a disqualified person.For you to acquire a property with the intention of combining that property along with your IRA held property in a future sale clearly creates benefit in both directions.  

@Dhaval ShethSounds like your intention is not to rent by the room but full term lease then it should be the responsibility of the remaining brother to either pay the full amount of rent, find his own roommate or move.

Maybe there is some critical information I am missing, and searching out that possibility is the intent of my post here.  

Only one of these three scenarios is ideal for our intents and purposes.  

In my market in Northern NJ, specifically Bergen county, in the last 2 years intently searching the MLS exclusively, I have only found maybe a hzndful of deals that comfortably produced a Cash on cash return of 8-12%, and one of those I currently have under attorney review.

Mostly because politicians have good intentions but dont have the first clue about what actually works. 

Stop the bleeding sooner and reduce stress in your life and in my experience still cost less than months of non payment during eviction process, legal fees, possible intentional property damage, and a judgement against someone with no assets and probably little/no income.