Give criminals crossing the border free everything. 

That is, the Provisions, to my knowledge, require a formal vetting of the borrower taking into account that borrower's Debt to Income Ratio, along with other metrics.The following situation has arisen which is this:  I have lent to a flipper on several flips in the past. 

If they give you a soft quote, ask for something formal on their letterhead.

We are based in Orange County, NY which is right over the border from NJ.

If they aren't run as seaparete companies with all formalities then I can see them being pierced.

Orange and East Orange are probably tempting as they're cheap but again, bordering Class D with crime and drugs.

You should answer with, anyone over the age of 18 must apply and be approved to be formally added to the lease and permitted to move in.

It’s important to have a supportive network of agents whom you can work with as a team, either formally, or unstructured.  

Would never allow anyone to move into a home without applying and be formally added as occupants to the lease, hopefully the lease also holds all occupants/tenants equally and severally liable for the lease. 

@Joe Yobaccio I agree, I wouldn't even take someone's money to do my first deal and some of these tactics border on unethical.