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Com "2 of 4Occupancy fraud happens when borrowers mislead lenders about the intended use of their properties. When it comes to financing a property, owner occupancy is an important consideration.In your specific situation, you cannot legally sign the owneroccupancy affidavit with the intention of not staying for 1 year. Affidavit of Completion of Visual Inspection. What is an Occupancy Affidavit? The parent(s) or guardian(s) are to complete the top portion of the attached form (APPLICATION FOR. Multiple Occupancy Affidavit (page 3). A person can only have one principle place of residence.