Any approved loan application would be the result of misrepresentations which is fraud. 

By your own admission (your post title) you came to the conclusion this was Fraud.

Talk to whoever handled closing and find out if you can charge her with theft or something similar (can't think of the name-not fraud) as she has your money.at least you signed paper work in front of a notary, so have a witness and paper trail.

This is FRAUD.

I would share the cold hard tenant ledger and let the next LL decide how to interpret it.As far as lying, acting as someone's accomplice in a fraud make you both rather bad people and sort of undermines your stated reason for looking to do this in the first place.

If you're concerned, it’s a good idea to clarify with your lender or shop around for one with more lenient requirements.Bank statements: yesSSN cards: occasionally, mainly when citizenship abnormalities or Fraud alerts on creditI have never collected a tax return in hundreds of DSCR loans

Maybe she was someone else's dependent for a year (while you were serving time for tax fraud).

I have seen identical properties next to each other with one producing $63k and the other $140k and the only difference is who is managing it (including self managers).

@Marcus GriffinTypically as part of a modification the bank will have a “shock package” which includes information and forms to be completed by the borrowerOn those forms there are questions like will they or do they occupy the property, there income, do they plan on keeping th home.This is equivalent to lying on a bank application which is most likely considered fraud Not providing legal advice but this is definitely a very slippery slope you are getting involved in.

You want a service that provides a full credit report, full criminal, identity verification, etc.Then it would help if you had clear screening criteria.