Avoiding Live-in House Hack?

[Kevin Forsell]

Hello all-

I'm saving for my first multifamily home and my Agent (who invests himself) advised me to house hack for at least my first property. I expressed some uncertainty with living in the property and he told me some under-the-table advice; you don't actually NEED to live there, you just have to have the "intention" of living there. Once the property is sold, you can rent out all units, and no House Hack Police will come knocking to check if you're living in the property. 

Obviously this is more ideal for me (and I assume for most people), but the thought of cheating the system scares me a bit. Has anyone done this? If I do this and the lender (or anyone else) finds out, what might the repercussions be? Thanks in advance for the advice!