If both of them were purchase money loans, maybe... Were they really doing 80 /20 rental deals even in the crazy days? Most 80/20 deals the buyer had to claim they were going to be owner occupied.
BK is a federal law thingie. Realtors aren't going to give you a definite answer. We will say we can't advise you about this question because we Realtors are not attorneys and BK is a lawyer thing.
As some one who is not an attorney but merely a citizen with an opinion about right and wrong, i would not want to be answering to a federal judge if I had claimed to be an owner occupant on a loan application without the intention of actually being an owner occupant.
I'm just saying....