You could lighten the room with fabric choices. 

A note holder that fabricates payment records without an audit trail.....well, that's just fraud.Now I'm guessing that these "Note Brokers" are buying notes without the files which reduces the last holder's liability significantly and the reason for better discount?

Paul has been hearing more and more of his friends talk about the need for a Sacramento ballot initiative aimed at blocking excessive greed from unraveling the fabric of their community."

I believe you have to get to know people in your area(make friends, meet real estate agents, or even construction workers can help you out with areas that are getting more and more fabricated).

I have been a metal fabricator for 10 years. 

Myself, I always strive to be [blowhard bragging removed].Anyway, as you know I make millions of dollars by [total fabrication deleted] and would like to help people by [solicitation removed].

How can an investor reading the 10-K or a landlord receiving a fabricated lease know that its fake?

Welcome, Fabrice, and congratulations on your full time status in REI.Mostly there is a WHOLE LOT OF LOVE here, but sometimes there is a little flaming too.

“Federal prosecutors described a similar pattern, with Onofrio allegedly placing his own money into investors’ accounts to make their finances look better to lenders, and also fabricating appraisal documents to inflate the value of properties.”https://www.marketwatch.com/amp/story/turns-out-a-real-estate-guru-peddling-the-deal-of-a-lifetime-was-really-a-fraud-prosecutors-say-11669928059

s Awesome fabric deodorizer is their version of Febreeze.