Refinance then rental

[Sony Jacob]

Hello BP community,

I am a homeowner who is thinking about putting my home on the rental market for the first time. I bought my house a little over a year ago and at the time the interest rate I got on the house was in the high 4's. Since the interest rates have gone down significantly I am starting the process of refinancing my home. Once the refinance goes through, that's when I am planning on putting the house on the market as a rental. I am not moving the house over to a LLC, I plan on getting an umbrella policy that would cover me in case something did happen.

I would like to know if my refinance lender would see it as a major problem if I put it as a rental so quickly after I refinanced (especially after saying that this is my primary residence, which currently it is).  Would they even find out? I'm going to change my homeowners insurance to a landlord insurance policy, is that one way that the lender could possibly find out? If they do find out, do they even care? Thank you in advance for the help and suggestions!!