The underwriting guidelines are on the internet you can memorize them and you still won't have the finance knowledge of the applications of rules, regulations or laws.......there is no "creative" to it.Avoiding taxes is perfectly legal, misapplication of legal deductions or income isn't "creative" it is tax evasion which is illegal.

Was it a crime such as embezzlement or tax evasion that did not endanger a person?

If he's vague, evasive, or won't answer your questions, be suspicious.

I've heard of bank officers telling an investor to do similar practices to get underwriting approval, but I've always thought it was fraudulent whether or not a bank officer was involved.Tax evasion is a serious offense that does get prosecuted. 

There are plenty of other places to rant on social security fraud and tax evasion.

The failure to pay must be characterizedby deceit, evasion, false promises, or otherdistinctly culpable circumstances indicating a deliberatenonpayment or grossly indifferent attitude towardone’s just obligations.

Yes, buy it and then sell it.Taking money outside of closing and not disclosing it on a HUD is a federal violation, it's also tax evasion, filing false tax reports for you and the other two parties.  

the agent is really only loyal to the seller and she is very evasive and full of bs ....and she keeps repeating the mantra:..just never do what the seller did - a huge mistake, -  having a reverse mortgage...

They are shutting down large grows when they find them and turning over the operators to the IRS for tax evasion but I have not heard of them seizing and real estate in the process.

She let me know in advance she was going to be late, and why.It's one thing if they let you know well in advance they will be late, and how late.It's another if they're evasive.