Occupancy Rule for FHA loan

[Zac Bell]

I'm looking to buy a multi family for my first investment property. I know many people have success house hacking MF. My wife and I currently have a house but only she is on the mortgage, I am not. I have never had a mortgage in my name. Would it be possible for me to get an FHA loan if I list the rental property as my primary residence and one unit stays vacant? Or would that legally be fraud?

[Jason Wray]

Zac you can buy a second home which only requires 10% down and avoid FHA and the 12 month occupancy rule. The only time that would fly is if you were getting divorced or going through a separation.