Serial House Hacking, Underwriters

[Anthony Angotti]

Hello,

I currently have two duplexes that I have lived in and kept. Both are on conventional owner occupant mortgages and I will have lived in each for a year minimum once I close on a new property.

I am looking to move early next year to the third owner occupied 2-4 unit building. 

Can anyone let me know if this will likely cause issues with an underwriter or what I should be asking banks to make sure that they will fund the loan as an owner occupant for the third building? Front end and back end loan ratios meet the guidelines for conventional lending based on likely new mortgage amount. 

Thanks!

Tony