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Declaring your investment property as your primary residence may eliminate your ability to claim tax deductions for council rates, home loan interest, repairs and upkeep, and depreciation on the property. If you continue to rent out a portion of the property, you may be able to deduct some of these costs.
A certificate of occupancy is required for residential properties in New York City.
In cases involving multiple misrepresentations, lenders can also refer the case to the FBI: Lies on mortgage applications are bank fraud and can trigger severe financial penalties, prosecution and prison time if convicted. Bottom line: Dont do it.
Most purchasers will have a Certificate of Occupancy requirement for the property to be issued before a closing will take place. All new buildings in New York require a Certificate of Occupancy.
New buildings must have a CO, and existing buildings must have a current or amended CO when construction will change their use, egress or type of occupancy. No one may legally occupy a building until the Department has issued a Certificate of Occupancy or Temporary Certificate of Occupancy.

People also ask

Changing your home loan from an owner-occupied to an investment loan. If youve decided to use your home as an investment property, youll need to notify your lender that the property is no longer owner-occupied. Thats because a different mortgage product might apply for an investment property.
Can you get out of the owner occupancy clause? If you decide later on that you no longer want to occupy your current home, youll need to contact your mortgage company. Ultimately, itll be the mortgage company that decides whether or not you can convert your home to a rental property.
Lending companies cannot force a homeowner to live in a home when they have legitimate reasons or even desires to move. However, to get out of the owner-occupancy clause on a primary residence home loan, the owner should be able to prove that they had every intention of occupying the home at the time of purchase.
New buildings must have a CO, and existing buildings must have a current or amended CO when construction will change their use, egress or type of occupancy. No one may legally occupy a building until the Department has issued a Certificate of Occupancy or Temporary Certificate of Occupancy.
Arrange with the Chief Building Inspector for your area for the issuing of an Occupancy Certificate once your building work is complete, a final inspection has been conducted by the Building Inspector, and all other Council requirements have, to the best of your knowledge, been complied with.

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