If the bank knows it's a rental, it's considered a commercial mortgage with a minimum of 25% down. And if you're lying to the bank by saying it's a residence w

If the bank knows it's a rental, it's considered a commercial mortgage with a minimum of 25% down. And if you're lying to the bank by saying it's a residence when it's meant for rental -- you've just committed fraud (it's one of the clauses in your mortgage).