It's not the customer service you will accept and it's not legal lending behavior.

(asset depletion, pledging collateral, cross collateralization, stated income, 12 month bank statements no tax returns, etc etc) I recommend my clients project their business plans out 2 years so they can claim just enough income to qualify for what they intend to acquire and not more depending on a fine balance between income display and tax strategy.

We both told the listing agent this behavior was extremely unprofessional.

This will also best aid in changing spending behavior going forward. 

A megalist of properties with delinquent taxes will come up.5) Change the 'Display 10 records per page' in the top right to 500. 

Enabling behavior FEELS helpful, but it only allows her to continue in this path.

There is always a collective "belt tightening" in January as people come out of the holidays, check their credit card statements, and promise to spend less, only to go back to their old behaviors a few months later.

That usually stops the behavior.

I am not in the business of attempting to promote illegal or unethical behavior, and to my knowledge, never have intentionally done that.

@Katherine S.I think it's a good idea to emphasize to him that if he doesn't clean up his act, you will share information regarding his late payment behavior with anyone calling for a reference.