Perhaps, you can combat those fears or reassure that a low score may not necessarily disqualify them if they show good bill paying history (or whatever the appropriate criteria may be for you).

Saying you are selling something else to obtain a lower sale price is semantics reducing a price from it's market value in order to call part of that value something else attempting to evade the intent of several laws, not just Dodd-Frank or TILA or the Tax Code.A buyer who fails to disclose an option price paid in a loan application is submitting a fraudulent application.

We've chosen to put spray foam insulation, also known as Icynene in both the roof deck and walls to help combat the high electric bills that our Central Texas summers in Austin like to cause!

--------------------------------------------------------------------------------------------------Please note, I hope none of my responses came off as combative.

To combat that risk its a good idea to make sure your homeowner's policy has a high amount of liability protection. 

Even if you hold the deed in escrow until after you close with your seller it could still be seen as you selling a property you don't own, which is fraudulent and could result in a long vacation in Leavenworth.

Trying to mask it under the name of an LLC is deceptive and fraudulent.

I would apply to both for the very reason that you just never know when a bank is going to say no - especially given that you're both self-employed which usually means that your reportable income is not your actual income due to all the deductions most self employed people get to take.A portfolio loan is one way to combat the issue though.

The lien is fraudulent and inflated, plus they aren't properly licensed.

As for the shoddy rehab job, you're right that pictures can be deceiving, but I'm hoping an independent third party can help me see through a broker's fraudulent photos.