I like the Idea of Purchasing a 4 flex using and FHA loan, I do understand that it has to be owner occupied for at least 1 yr before you can Refi , my question is how would FHA know your living there ?

Address on the tax rolls, knocking on the door, sending you mail with address correction requested.....notifications from buyers who bid and did not get the property and are upset who report you.

thank you bruce , one more question if I acquired the 4 flex investment through FHA and were physically occupying the unit and I decided to go on vacation for 2 weeks to a month can I Air bnb during that time ?

you only have to for 6 months, but if you have a family or friend that could allow you then just pay for their utilities in exchange

This is pretty much what I'm doing.