Regarding contractors, they seem to have a shelf life - like bread and milk - none that I'd be confident to recommend.Try HomeAdvisor 

You could have a drywall finisher tape all of them and texture or skim the walls and I bet 90% of them wouldn't come back. 

Some wholesalers get lists of potential buyers by skimming the sales or tax records to find non-owner occupied properties and thus track down the (higher likelihood investor) owners that way. 

Being criminal is possible, but not by the contract with the bank (violating the bank contract is a civil matter); there are state laws in some places that prohibit "rent skimming" practices and make that a crime.

AFAIK, in FL, that's a 3rd degree felony known as 'equity skimming,' So how they're getting around that, and how they appear on the HUD 1 when their L/O tenant cashes out is confusing me.

There was a barbecue pit in the back yard with the remains of a trash fire in it, milk crates for lawn furniture, piles of beer bottles, and the remains of a camper that someone was living in.

If you go to the BP podcast there are some very informative sessions reguarding wholesaling, (just skim through the descriptions, though if you get the chance listen to as many as you can. ive taken something from each one)

They were Upwardly mobile tech workers and didn’t need to milk the system:) So the “offers” expired.

@Darren Chang I just skimmed the code and It looks like there is an owner occupancy requirement for accessory dwelling units (as you mentioned you could in theory live in either).

I skimmed your sample reports and it looks like you might be offering a valuable resource.One thing I didn't see (maybe I missed it), is some evaluation of which markets are "emerging".