Read at own peril, not offering advice etc etc) It's all about intent.

My wife and I bought our first home last summer, with the intention of eventually renting it out, and are currently looking for our next small property to get starting in this world of investing.

The lenders told me that as long as I have full intention of getting the tenants out and try to move in within 60 days then i could purhcase the unit as owner occupied.

My intention is to use that $45k to update my primary resd a little bit and then use the higher value of my home with these renovations to increase the limit on a HELOC that is based on the value of my home.

General advertising will get you a lot of phone calls from people you have no intention of lending to. 

Landlords that are not intent on enforcing a lease they have their tenants sign are wasting their time even bothering to have a lease. 

Don't worry, I have no intention of "Cali'ing" Idaho.

Up till two months ago both parties made their portion of the mortgage payment in a timely fashion for twenty years.The other owner to be spiteful has not made several consecutive mortgage payments from June 2020.The stoppage of payments is intentional.

I recently acquired a 1.6 acre property in Encinitas on Manchester on the lagoon— with the intent to build a modest house near my favorite surf break, and recoup costs by parceling off the other half of the land . 

Mortgage or bank fraud is different from civil  or criminal customary fraud matters where intent for some financial gain might be required.