Lying to the loan officer is mortgage fraud, DO NOT do that, 20% down is the way to go in this situation.

The bank said that I shouldn't worry about mortgage fraud since they arent actively  trying to get people   but im still going to try and get in there before the 60 days are up.even if they stay i let them know , that we could be roommates temporarily of they were okay with it.

While you string them along with promises, contact your bank and have them recall the original wire due to fraud.

One account for the entire company is more common.As always, records should be kept in anticipation of litigation, particularly litigation that includes piercing allegations, since such allegations (abusive though they may be in non-fraud situations) are common.

Developer just listed the one identical/adjacent to mine for $390k.

I could buy another identical but distressed property as this one (in the same community) for ~$150k, put ~$15k in rehab, and get it rented at $1500/mo.

I know it's obviously mortgage fraud to buy a house as a primary residence but then not actually live in it.

Bonus tip, record the incoming calls so you can get a good chuckle out of all the threats to call the FBI for mail fraud.

This of course will never happen, despite the countless stories of PM fraud, the REC just turns their back.

@Maurice Bell These links might help:NEW JERSEY LANDLORD AND TENANT REGISTRATION REQUIREMENTSNew Jersey Landlord Identity Registration Form