@Jack B.ANYTHING, as you pointed out, can be faked.BUT... if you are doing that for an apt, you risk committing a crime by falsifying information.So, let's say a tenant has the following:- NO CRIMINAL HISTORY from the Report- HIGH CREDIT Score from various sources- Qualified and Verifiable Income from their Employer- NO EvictionsAfter checking all of that, they then submitted a FALSE 6 months bank statement?!

Submit your PFS and tax returns to us by April 30."  ...so we can decide whether to extend you when the time comes and otherwise you will be in default...   

Your agent/broker should be helping through it all but you may need to be running searches on your own.Find what is on the market and submit offers.

Submitted an offer on a house (investment property) and written in my offer I included that the offer would be taking the house at the offered price AS IS.

Additionally, I *think* my offer was suspect because I submitted a LOI instead of a PA, and I probably came across as a newbie on the phone, so they may have wondered if I would actually close.Lessons learned. 

You have thousands of people doing the same thing including major operations that have a substantial  degree of resources on the ground canvasing, door knocking, advertising, and submitting contracts almost around the clock.

.- Buyer submits offer to buy house at 250k- House appraisal comes in at 230kNow this is where it gets interesting...- Seller offers to owner finance the deficit in the appraisal of 20k.- Seller does this by offering terms of a loan and is willing to take second position behind primary loan.  

The banker seriously couldn't submit the app without me giving that info, or lying and saying I don't bank with anyone else. 

I submitted notices to take Possession and to Vacate to the current owners.

I have never collected cash, I even require security deposits to be submitted via the bank so there is a paper trail of everything (for them and me).