"Owner occupied" loan- Do I really need to live there? In MA?

[Rudolfo Fossa]

I want to get a 5% down multi family, owner occupied loan.  Apparently I only need to live there for 1 year.  However, a mortgage broker told me that they would give me a loan if one of the units was not occupied at the time of purchase, or I could serve the tenant with a notice to vacate.  If I then decided not to live there and rent out the unit, would that be fraud?  Or if the tenant "refused" to vacate?  Could I get in trouble for that?