What matters is your intent when you sign. The loan documents require you to move in within 60 days, and they set no minimum stay after that. On a primary-residence loan, the closing documents commit you to occupy the home as your primary residence, typically within 60 days of closing, and that 60-day figure holds across conventional, FHA, and VA. What the documents don't do is dictate how long you must stay or bar you from ever converting the home to a rental. There's no stated minimum occupancy period, and no occupancy police checking up on you. It becomes occupancy fraud only if you sign those documents intending never to move in at all. People convert a primary to a rental for entirely legitimate reasons, like a job relocation, a family emergency, or a change in plans, and that's a normal part of homeownership. When you later rent it out, you're generally not required to notify your lender. Two practical notes. The closer the conversion sits to closing, the more it can look like you never intended to occupy, so genuine intent matters and documenting the reason for an early change helps. And this is general information rather than legal advice, so run an unusual situation by a professional. If you're buying and already know the home will be a rental soon, tell us up front so we can structure the financing honestly.