I'm not going to lie, I always want my life to be easier, but you are asking others to change when there is no direct reason to, since they can get what they want without changing. 

Erica, linzi and the rest of them were rude unproffesional and and at large lying bunch of people.

I was livid and felt lied to.

Does anyone know where good investment opportunity lies in this regard or have any tips for a newbie?

What if they lie to me and tell me they are current but they don't tell me they lost their job.

Are they lying, or are they leaving out tons of steps?

You first call should be to your lender (in my case it was a broker) to double check that doing this won't be a problem - the nuance lies in what you're talking about - them loaning to you, not an LLC - but (in my case) if the title matches the name(s) on the LLC you'll be fine.

Well actually I lied.

It's blatantly obvious to me that they have lied on the disclosure. 

As long as you are not lying about the income, the IRS won't care that it is not a regular monthly amount.