无论下单买HUD房，还是贷款，primary residence都有优惠。作为投资人，兵不厌诈，占点便宜行吗？我建议您小心。

先讲一下后果：Penalties can be up to a fine of $100,000 and/or 10 years in a federal prison.

罪名："Bank fraud" and "Mortgagor Fraud"

证据：spend time in it, driver's license, car registration, cable providers, insurance company, utilities, credit reports, tax billings, other related public filings, name/address search 多单元住宅，可以出租主居以外单元，甚至可以出租主单元某房间，本人也不必每天住里面。但主居单元必须符合主居定义

监管部门： FDIC, Comptroller, CUNA, State Bank Examiners, all do audits. These government agencies have police powers at the state and federal level.

监管方式：政府监管银行，银行通过private compliance auditors监管贷款人 银行不会预先通知贷款人要audition，等你知道结果audition已经结束，有违规定论才会通知你。

警报解除：Your occupancy requirement generally falls off after 12 months, it may also be waived if circumstances beyond your control should arise

信息来源于网络