Getting nailed for just "Occupancy Fraud" usually isn't the only charge, you also may get mortgage fraud, conspiracy, mail fraud and a host of other charges along with it.

I have cement floors in 1000 sqft house and needs carpet etc..I am thinking of doing polish cement floors instead.

you nailed it on the nose.

& we have nailed some amazing deals by being persistent & low balling.I watched a great duplex MLS'd for $89,900 for 18 months as the price dropped.

Do not hand over the keys until you get this nailed down.

Get on the phone and call up some local agents or appraisers or have some reports (CMA, BPO or Appraisals) done to get you value nailed down.

If you think they're on the way out, I guess a call couldn't hurt but there is always the chance you could put the final nail in your own coffin.

But your right, maybe their rules have changed.Don, I think you hit the nail on the head.

Like putting a sign in the window at a bar saying "Come in and wipe down our strippers" and when you get in there you find it's a bunch of guys building and polishing wood stripped kayaks and canoes!

I troll around here as time permits and have recently been seeking information pertaining to a specific question (or series of them) without really nailing down an answer with the kind of experiential wisdom that I have come to expect and appreciate from the BP knowledge bank.