If the tenant stays for the three months while I finish out the lease on my apartment will I be committing mortgage fraud? 

An identical property can sell for 5-10% higher in April-May then it would in October-November.

.), so from the lender perspective, they are a high risk for mortgage fraud with an owner occupied loan with nothing tying them to the location. 

As mentioned in a previous post, your personal assets will be insulated (unless the "corporate veil" is "pierced" by your commingling of personal and business assets, fraud, intentional torts, etc.). 

It's seeming more like fraud and a a scheme.

Borrowing for a flip using conventional financing and claiming you're an owner occupant is mortgage fraud, @Sean Connolly.

We recently had a borrower claim that his identity was stolen back in 2008 when the loan was originated.

My current property was bought with a zero down VA loan for $210k and my second property is pretty much identical, with the same loan situation.

Can't share the link because I dont want to release the identity of the current leasing agent.

As we near the the moment when its "make an offer on the property" time, I need to also make the call about whether to do business with some random dude I met on the internet; especially as I will be giving him personal financial and identity information to do credit checks etc.