Using second home mortgage for rental

[Sean David Gibson]

Hello,

I had a friend reach out to me for some Realestate investing advice.  They have come upon a great rental property opportunity (sadly through divorce). When talking with their mortgage company they suggested using a 2nd home mortgage.  My friend did a little more research (on google) and saw that using that kind of mortgage for rentals could be considered "mortgage fraud".  I've heard a little about this from both perspectives but I did want to give them some bad information.  What are the rules? What other questions should they be asking? Any help would be much appreciated!!!