Thats the simple answer mind you.If you are wanting a SFR for your main residence then you either need to make sure that the rent you get, from the unit you use to live in, covers your new mortgage in order to keep the same cash flow and savings.

@Ike Stephens I think you may have gotten this answered on a different thread but thought I would post here too in case someone was searching and found this post too.For Fannie/Freddie loans, you do not have to source deposits in a business account. 

So to answer your question, it is possible because I know people who do it.

There are many agents out there, but it’s important to choose the right one.https://www.biggerpockets.com/blogs/5868/52724-im-new-to-investing-how-do-i-find-an-investor-friendly-agentI love answering questions if you have any!

(the answer needs to be immediately) How long do you need me to be on title to refinance?

I can't give you a solid answer on which would be best for your situation, but just a few things to keep in mind. 

All parties right now sort of have me running in circles with no answers and interpreting on my own, hah.

Glad to answer other questions as well. 

Questions, that I feel are better answered by a local professional.I would humbly like to request a recommendation for a good (patient) buyer's agent, that would assist in guiding me through the specifics of the Eugene real estate market and help my wife and I find a home that is a sound long-term investment.

If they didn't....tough call.If they disclosed or answered truthfully.Yes.