never lie, doesn't worth it

Unless you lie which is considered mortgage fraud (seriously doesn't worth it because appraisal report will mark it as tenant occupied), this has to be treated as investment property. I just went through the same situation, got a house tenant occupied until next Jan. But if I couldn't move it within 60 days after closing, it has to be considered investment property. 25% down, 2.875% 30 yrs + 1pt.