Your client gets blackmailed by the tenant or even a little identity theft.

I am also from Europe ( The Netherlands 🇳🇱) with almost identical story.

If you were to compare identical strategies with the only difference being one is 40% LTC and the other is 90% LTC, the 90% would typically be considered riskier. 

Makes me shake my head that people are so desperate to get a loan that they will gamble their identity.

The neighbor said that he knew that the neighboring townhome (the one they just purchased) was under a contract, so he suspected that something was not right.The next day my friends, after waiting for the “landlord” phone call all day, decided to go to the property and call the police to confront the "tenant" and confirm his identity.

I have to include my SSN on this form, and with identity theft running rampant now days, I'm very concerned about including my SSN.

Mortgage underwriters assume by default that "depreciated" expenses are one-time and extra-ordinary, and as such "add back" the number to your income without even requesting any supporting documentation at all.I'm not telling you what's "right" or what the tax code says or what is reality (I'll pass on the debate, too), I only know how underwriters following the Fannie Mae guidelines (where the best rates are to be found) view it.If Sally and Billy are otherwise identical, but Sally "depreciates" as much as her tax pro says she can, while Billy writes everything off as a "repair," Sally will have a crap ton more Fannie Mae "mortgage qualifying" income.

You aren’t limited to using identical tiles on both surfaces, although doing so creates a striking effect.

Two owners with identical properties can have wildly different returns that have everything to do with their own management skills/style, and nothing to do with the property itself.

@Paul SandhuHey Paul if that is a tactic you want used the I would engrave one of the ones you have not restored yet that is an identical machine match.