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As an owner-occupied purchaser you will need to fill out a Certification. Danger. The affidavit is a legal document.Understand the risk of getting caught. This may lead to your mortgage being revoked and having to pay the entire loan immediately. The Property is an investment to be held or rented rather than for household or personal use. The Bridge Loan is not an issue, but the new loan will not be able to close unless you buy it as an investment property! Anything not specifically addressed on matrix follows HUD guidelines. Automated Underwriting.