1 year owner occupied requirement?

[Cody Steck]

How does the bank know if you are fulfilling your one year owner-occupied requirement? Does this change if you move out but don't actually have a tenant until after the one year is up? I'm not saying I am going to do this but I would like to start house hacking once my one year requirement is up. I want to start looking early to give me plenty of time. However, what if I find the right place before that one year is up? On a side note, any suggestions to perhaps get around this and start house hacking earlier? I plan to keep my current residence as a rental so selling is not really my first option. Thanks!