If you are talking about a home you have not yet purchased (after all your name is "Home Buyer"), and you are already considering that you'd need an occupancy waiver after you move in, then I'd recommend you purchase as an investment property to avoid any potential occupancy fraud accusations.
I haven't seen any lenders issuing an occupancy waiver. If you're switching to an investment, some lenders may require additional lender specific forms to be completed to support the investment purchase.
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