Carriers are also cracking down on issues like this and would consider this a type of insurance fraud.  

OR a second idea, how about "rent-by-other-means" which I am of course referencing Contract For Deed sale, which is NOT a lease and therefor exempt from rent controls, yet can be written in such a way that operates all but identical to one, I'd argue even better because I can write what ever my heart desires into the terms.

Is this simply something that exists in case of wrong doing in which after the fact, say fraud occurs, a case can be made that person a or b was not sufficiently competent in the matter before investing?

Reach out to the seller, let them know you need to come to financial terms on a settlement, or you will be pursuing a civil case as well as turn over the falsified documents to the Attorney Generals office in your state for mortgage fraud. 

Going from a 20 minute commute to a 45 minute commute, and giving up a 4 bedroom 2 bath detached single family house for a 3 bedroom 1 bathroom unit in a plex with a shared wall, if that's the entirety of the story, does not make sense, that looks like occupancy fraud.

That’s why it’s of the highest importance that you properly screen your applicants before they become your tenants.A background check will verify a person’s identity and provide any eviction history.

And the fact that she threw down the ESA card only after you balked shows that she is a fake.Most ESA cases are frauds anyway, just look it up. 

Hello BP Community,We sold our home and the portion of the funds (~ 400K) that had to be wired to our Mortgage Servicer was sent to a fraudulent account (Wire fraud) by the title company.

There are a few benefits to having to buy flood insurance if your property is in the higher risk flood zone as identified by a flood map usually identities with an "A" or a "V" first benefit is that communities are incentivized to do flood mitigation which could save areas from flooding, second is that property owners are not risking a flood risk exposure by not having insurance to cover the gap.

If you bought it and told them you were going to live in it and don't and rent it out, you could be committing mortgage fraud.