really pointing toward multi-family as well offset my monthly payment after i buy if they find out later does it matter?

If they find out what later? That you did not move into one of the units? Yep, That would be a big time problem. Mortgage fraud can result in loss of property and Prison time. ~ Bert Carpenter, The LoansA2z Team of NEXA Mortgage ~ NMLS 40586 ~ At NEXA, we've got you covered. We are licensed in all states except MA and NY and we are pending approval in VA, so give us a call. ~ www.ApplyYes.com 480-889-9000.