I think the way you can combat this issue would be to look into resources that offer an application that can be shared with multiple landlords (even with the TransUnion reports, those reports are good for 30 days).

If you have a good team, your agent and your lender can pro actively find ways to combat this.

In other words, correctly complying with Reg D is an affirmative defense by itself, as long as you did not commit a fraudulent act.

There is actually much more clever and profitable ways to make money from fraudulent activity.

No Asset Protection System is for tax avoidance, it can not be, otherwise it is a fraudulent structure.

I have reviewed and rejected more than 20 applicants because they are either unqualified financially or because they lie or disrespect boundaries through the property showing and application process showing that they would be nightmare tenants (overly demanding, combative and aggressive).

Do not take offense, but from the info you provided it sounds like you get off track pretty easily and the only way I know to combat that is holding yourself accountable which can be challenging.

Calls to my Broker over the next few days regarding the status of my Contract Position purchase are met with "it's good, should be done soon" etc.My Purchase Contract is cancelled by the Seller 3 days after he is approached in his office by my Broker (and when my Broker negotiated this fraudulent commission split).

Making them split utilities or including a "utilities included up to $..." might be a good way to combat that.Who will take care of the lawn?

If I were to use that in suggesting a dollar value to anyone, for any financial purposes it would be deceiving if not just an outright lie and fraudulent.