HELOC on principal property - what if it becomes rental prop?

[Crystal Strait]

I am looking to take out a HELOC on my principal residence but would then like to turn this residence into a rental property as well. I've read that the bank could enact a due-on-sale clause for the property becoming a rental instead of owner occupied. Has anybody done this before? What is the likelihood that a bank would want to call the loan if payments were made on time? Would they ever check to ensure that you are still residing at the property?