I know of no place where it is explained. I did a condo complex adjacent to Sonoma State University. Well over 50% of the owners are parents of college students who live in the units while the parents live elsewhere. I called FHA. They told me they consider it as family owned , IMMEDIATE FAMILY, and, as such, would be owner occupied. This was several years ago. The kid is a dependant, pays no rent, probably the parent pays the utilities and HOA fee. They will sell the unit when the kid finishes college. The kid has a position in the future chain of title whether his name is on it or not. I'm not advocating for or against how you mark it in the report.....just how FHA looks (or looked) at it. Only a court of law could make an iron clad opinion.