Buy 2nd home or investment property

I realize it's not how your supposed to do it (idk legality) but has anyone bought a second home to get the 5% down payment instead of the 20% down payment it costs for an investment property? I'd obviously rather do the 5% down and get the better interest rates. But at the same time, next year when I'm doing my taxes and need to claim ownership of a house that I'm getting an income from....and I get red flagged and in trouble...that'd suck. Any experience or insight in this?