Definition of Owner Occupied

[Manco Snead]

Greetings all,

I’m hoping to get some feedback on the definition of owner occupied. Example: I buy a single family with a conventional owner occupied loan. Then I want to house hack. Where do I need to live on the property? If I convert the detached garage and live in it while renting out the house will Fannie and Freddie be paying me a visit at some strange hour of the night?

Much thanks.