An executive of a business authorized to sign such documents is often an employee, not necessarily an owner.If bankers won't let you sign like that, take your better attorney along and have him/her explain it to them.I have one who even trains IRS agents on the proper interpretation of the tax code (he, his partners and staff consistently win audits).

I received my Bachelor's in Accounting and Master's in Accountancy with a double emphasis in Audit and Information systems from the University of Utah.

When audited, those are the type of expenses that get you in trouble.

If that file is audited, that "creative" Realtor may be no more

I do this for any vendor I use each year, as I carry workmens comp on my properties for myself and workers I know aren't covered themselves. but if I can prove my vendors have insurance when I'm audited, so my insurance agency compute rates in my favor, because vendors had their own coverageAs far as lien waivers, it's good practice to have anyone that worked on the house sign they have been paid and a lien waiver is used for that. 

I would like for real estate to be a main area of focus along with audit/security awareness.

Hiding your installment sale with your next mortgage lender is mortgage fraud, that will show up in your tax returns later on and mortgages are audited after you have made them. 

You are correct that it doesn't scale if you get employees but it's because of audit trails and controls and employee taxes. 

So if you have the borrower's social #, property address, loan # or MIN #, and can gain access to Bloomberg or ABS Net, you can do something called a "trust search" using a mortgage auditing company.

He merely audits my receipts and enter the data.