I think it shows agent(s) that 1) you're real (fraud schemes), and 2) you're serious (we get tens/hundreds of requests from investors to help them buy rental property. 

In the majority of fraud or Ponzi Scheme cases the common theme seems to be that the money is mostly gone, and whatever is left runs out before a large portion of the victims are made whole.

The percent distribution of 1/2/3/4 guest stays are almost identical between the 2 years. 2 guest stays make up 2/3s of my stays, with 3 and 4 guest stays being in the single digit percent. 

You would at least need to move in within 60 days of closing otherwise it is loan fraud.

Lying about your intent is mortgage fraud.

Specifically I will look into the following:- Legal- Tax Rules- Network + Friends + Connections- Language Barriers- Payment Transactions and Recourse for Fraud- General/customary behavior among vendors and contractors in the area (good and bad)

Fraud and deceptive practices come to mind.

Plus, keeping it as a rental helps you avoid any potential loan fraud issues—something worth considering based on your risk tolerance.The new house could be great for personal reasons, being closer to your parents, but with a higher rate and payment, the financials aren’t as sweet.

I would use a service such as vacationrentaldesk.com for this.A direct booking is no more risky than a booking through VRBO or Airbnb; they aren’t verifying identity, either.In fact, my own company has taken thousands of reservations over 19 years, and we don’t verify identity.  

Insurance going up is just as much a function of natural disasters, as it is the massive fraud in the industry.