It sounds like you are a relative newcomer to investing, and are being misled by an agent that has no business whatsoever to be encouraging you to tell what is basically a lie, and put yourself in a position where you might be found guilty of loan fraud.

The boss got involved because the tenant doesn't speak English, and the boss was trying to plead their case.

Name changed to protect the identity of both innocent and guilty.

To tell you the truth, I'm guilty of not engaging as much as I should.

At a small bank, you get to plead you case a bit to the loan officer.

If you violate that covenant by lying, you're guilty of bad faith.

How do I use what my mom has to offer (great credit and money) without feeling guilty?

Insurance agents rarely understand what you need to do to reduce the cost of flood (they too are guilty of just checking boxes without understanding what they are doing or the affects that it may have).

You could simply not file your LLC but if you were sued over your property they could just serve the secretary of state not you, or they might not let you file anything but a defensive pleading. 

She was also charged with menacing and pleaded guilty to it which didn't show up on the report.