You may have to pursue criminal charges and civil charges in both criminal court and civil court (different courts in NY) to go after unnamed tenants.

WOW that sounds criminal on Ms Elie's account..

If you rent it out from day 1, you are committing mortgage fraud, which is serious offense and you do not want to go down that road.

I am open to an alternative solution but they seem like they using intimidation tactic via email like call my strategy theft (something I take offense to) and that they will not pay and I should figure out the impossible.

All foreclosures are based on gross fraud, forged signatures,fake documents, corrupted judges who are criminals working for the bankers.The same goes for the attorneys.This country doesn't have the lawyers, and public officials are not following the law.Not the common law not even their own fake, UCC code color of law.BAR attorneys are foreign agents trained to destroy American people and American Constitution!

For instance, in Florida, it is a criminal misdemeanor to write an NSF check and worse if you write a check on a closed account. 

Why would you want to work with a realtor (I know she is your wife, no offense) who knows none of the agents, does not know the paperwork or the process (they don't teach you this in the class) when your primary residence is on the line.Brokerage options vary, but if you just choose the cheapest one and use your wife, you will pay for it later.

We will rent to folks with no rental history (with a co-signer) and with some criminal background, where others in our market won't.In low income you can often get tenants to leave when the money stops; we have not had to file an eviction yet.  

No offense intended, and I'm not trying to antagonize, but your background does not seem to match with anyone I would want to do business with.

It can become a criminal investigation with severe penalties.