Conv vs FHA Owner Occupy Multifamily

[Aaron Osgood]

Hi there,

I have seen a lot posts recommending young guys like myself to go the FHA route when buying a duplex + to live in and rent one out. I agree the 3.5% down payment is great but I'm not convinced I can convince my girlfriend to live in the area I'm looking at for a year. That being said, is it possible to go the conventional route for a live in investment that would be 10%? I could not afford the 20-25% but 10% is doable. Is the year requirement for living there washed?

I'm envisioning living there for 4-5 months while I make minor upgrades and then rent it out.

Any advice is welcome. Thank you!

Aaron