Owner Occupy Question

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I have a duplex I am considering putting an offer on. The only problem is we want to do an FHA loan with owner occupy. There are currently tenants in both units and the their leases expire in July. They are long term tenants with great rental history and we would like to keep them in place.

After talking with my real-estate agent he said he has had clients who do an owner occupy for a month or two and then move back to their current residence while using the excuse "plans change".  I am keeping my current residence.  My questions are:

- How does the lender verify owner occupancy?

- Is there communication between the insurance agent and lender due to the changing of the policies?

-What could be the potential implications if we don't stay in for the entire year?

I don't want to break any laws or cause loan fraud but if there is way to make this work I am up for options.

Thank you in advance for any help,

Quinn