[quote user=Sherilynn]Yes, but then he posed the question 'for how long would he need to live in the place before it was not considered mortgage fraud.'
My response was more related to that, with the answer being that if he moved in specifically to put low money down on an investment property then it is fraud regardless.
Your post talked about a "third group" of which you were a member. But the two groups I was describing were "people who don't talk about not moving into their rentals after they've called them personal residences."
People don't talk about that because they either don't do it or don't want to get caught.
You're in the first group, people who don't lie on mortgage applications. You're talking about something that sounds similar, but is different based on your intent.
You are of course absolutely right that the specific amount of time isn't the governing factor in whether that's allowed or not, it has to do with intent.
Regards,
Michael