Primary home vs investment property

[Giovanni Ceron]

Hello, I'm purchasing a property, my first property, which I intend to use as my primary residence. However, the property has a tenant with a one year lease expiring next July. So, the bank wants to finance this as an investment property, requiring me to put a much higher down payment and a higher interest rate. Is there any way to remedy this situation? My realtor advised that we should present an addendum to the lender stating that the tenant will move in 60 days.... This may or may not occur, necessarily. What are the legal implications? As I truly wish to acquire this property as my primary residence.