Based on your experience, would you agree with that claim?

and the property had a private dwelling value appraisal much higher than the public property appraiser claims. 

These guys are claiming they help people in my situation and in the same breath offer me a loan that I calculated out at 92% interest. there ya go.. 

Using a relative or friends address to claim you live there when you actually don't is committing fraud. 

Became very unresponsive very quickly, did not complete agreed upon work, made false claims about capacity and what they would do, etc.

After 20+ years in real estate partnerships, here's what actually puts you on the IRS radar (and what doesn't):REAL Red Flags That Matter:The Partner Complaint TriggerDisgruntled partner files Form 8082K-1 disputesPartnership disputes leading to tax filingsReal Impact: Instant IRS attentionSuspicious Loss ClaimsLosses exceeding investmentArtificial basis inflationSudden large losses without economic realityExample: $100K investment claiming $500K lossesRelated Party GamesCircular property flipsBelow-market transfersFamily partnership schemes without substanceWatch Out: IRC §267 and §707(b) violationsDebt Engineering Red FlagsBasis inflation schemesArtificial guarantee arrangementsPartner debt shifts near year-endCritical: IRC §752 compliance matters!

Airbnb claims that setting up a "photo tour" on your listing will increase bookings by 6 percent, for example.  

Completely agree with you on this; I'm not making any claims to the quality of these lenders here.

Well I have seen this come into play - I had someone who has a note in florida that was a non-owner occupied loan and the lender claims the borrower failed to make payments on this and attempted to record the deed in lieu.

From experience, finding a knowledgeable accountant is key for handling taxes effectively, especially when splitting expenses, claiming deductions, and managing depreciation.