I had one applicant, which I declined due to poor credit and providing fake rental history...with her friend pretending to be her current landlord... 

If it's the same one, he was not only pretending it was all cash, he was asking if it was alright if he could go on pretending it was a four-plex, when it was legally a duplex.I wonder when Ori's next how-else-can-I-get-into-trouble installment will appear?...

Maybe pretend to be a potential renter yourself, although I like to think most agents would give you an honest answer either way. 

For example, you may own it 50/50, but pretend Mom was retired.

I don't pretend to be one and I allow them to do their job.

I guess to do that we should use a theoretical example.Let's pretend that we have a rental property that rents for $1,000 per month, electricity bill is $180 per month average.

If you take retirement accounts out and only look at what I would consider "accessible cash" ( I would never dip into retirement savings so I prefer to pretend I don't have that money) then this number is closer to 85 or 90%. 

After I had the police check into it, they changed their story and said it was a friend pretending to shoot stuff in their house with their hands.

I pretend to be a landlord, but really I'm an environmentalist, or is it that I pretend to be an environmentalist, but really I'm a cheapskate who doesn't wish to fork over my money(or my tenant's hard earned money) to the utility company?

@Michael Newman pretend for a minute you're in the lender's shoes you are talking to.