If you still have mail or your ID list NYC as your address, than you should be fine. Please feel free to call me at 443-610-2442 to discuss some further options!

I think your going to have this problem with most lenders. If you are earning income on a property while living at another residence -- no matter what your intentions were when you purchased the subject property or how your original loan was structured - they will assume it's investment property. You will have a hard time persuading an underwriter otherwise regardless of your current living situation. If this loan was on my desk I would have to work it as an investment property too. The real question would be what rate are you being offered for an investment refinance? There are lenders out there that still offer great rates on investment properties and it may still be in your best interest to refinance if it lowers your monthly note.

I have to agree with Chasity. There are still some great rates for investment properties. Considering you have rented the property out most if not all lenders will treat it as investment rather than primary or second home. If you decide to attempt a refinance please feel free to call me at 973 979 4100 cell or 512 686 2750 office, I lend nationwide.