Bought a house 3 month ago, need to rent

[Sean Mason]

Hi everyone,

My wife and I bought a single family home 2 month ago using a conventional loan (Fannie Mae) and have since lived in our new home (first home and first mortgage).  However, we are going to be moving in with my parents (at their house) so that we can help my parents with their living situation.  My dad had a heart attack 2 years ago and last month his physician denied him permission to get back to work (truck driver).

Now as far as our mortgage goes, I remember that in our contract there was a part where it asks us to occupy the house for at least one year.  And us being 2 month in it's not going to look good if we decide to rent.  What is the best option to move forward with this without breaking the law?  Do you recommend that we just leave the house empty for the remaining 10 months and keep paying the mortgage and then rent it out? perhaps airbnb the place once in a while till then?

I was thinking of writing a letter to our lender about the situation, but our original loan officer advised against it. 

Would putting an extra payment in so that we have paid 20% of the house help the situation (we bought the house with 10% down).  I want the lender to know that we have no intent of selling the property.

Any advice or recommendation is really appreciated.

Thank you.