I swear this is the last time I will ask a question similar to this.

Here is another way of looking at my situation.

I have had two conventional loans of 30 years each. Because I enjoyed fixing up both houses, and added something like an outdoor shower and a patio etc. I stayed in my first house for 2 1/2 years, and the recent one that I sold four weeks ago I stayed in for a year and a half. Both using conventional 30 year loans...

Why oh why can’t I find a loan that will allow me to do the same thing in LESS than a year? 

I am the least greedy person that I know, and I would be more than willing to give, I don’t know, an extra $5000 to the bank as a bonus when I sell the property in less than a year for them giving me a loan! What bank would not want that?

 If the minimum one-year occupancy concern is only due to the fact that they want interest income for at least a year, then the last four sentences above this paragraph would certainly make them way more profit in interest than if I were to stay there two years! 

Is it just that no such loan exists? I’m 58 years old and in great shape, but I want to speed up my acquisitions and sales at a faster rate so I can accomplish more things, moving forward....

 The only other way I can think of is to try and scrape up enough money for a cheap , six-month rental apartment somewhere and then show a hard money lender that indeed I do live somewhere else so I can then  buy,, fix up, and sell a single-family home...I feel more comfortable dealing with a regular bank though, and,  as it’s July 4, no bank is open, and so  tomorrow I’m going to ask all the major banks that same question and see if it’s possible for them to write a contract to include what I said above. 

Thanks guys for your patience 

Frustrated Ray in Miami