I do not want to go to jail

I am currently in the process of getting pre-approved for my first investment property. I am looking to purchase small duplex in a different city that the one I currently live in. The loan officer I have been in contact with suggested that I get a owner occupied loan so that I only have to put down 20 percent. He said that I can then decided not to move in afterwards. I voiced concerns about if this would be considered occupancy fraud.

He said since I currently live in a home that I am renting it can be considered a second home.

Is this ok to do? With this being my first deal I was concerned about the legality. Everything I’ve seen online suggest that it is illegal and makes me second guess working with this individual.