You have to do it 3 times during a 3 year period.I think these actions are obviously fraudulent and easily avoided by an honest, ethical investor. 

Do Not be afar aid of a contractor filing a fraudulent lien, there are repercussions for him, and you can get it quashed.  

Let them know you aware of the lien laws, and they will suffer consequences for filing a fraudulent lien.

If you are not up to gambling with the property then you should not be  a landlord.

If this sounds too hard for you maybe Wholesaling isn't for you..Marketing to sellers saying you're a "Cash Buyer" when you have no access to capital is considered fraudulent...

If you leverage to the gills then you are only pretending to understand real estate or otherwise are gambling.

So they'll weigh in on my debt-to-income ratio, but I'm hoping that my good credit will convince lenders to take the gamble and give me a lower rate. 

This is mostly used in stats without a state-level income tax like Texas.Gambling losses: Losses due to legal gambling can be deducted currently, as long as they are itemized.Interest expense: Interest paid on a debt, such as a student loan or mortgage, can be currently deducted.

I believe Andrew moved to his market and super sized it... again I would see if he can help you with some back end on how to create a landlording company Buying at the bottom after the market crash, or even near the bottom isn't gambling, it's seizing an opportunity.

I was a great consumer back then and used it to pay off debt and gamble.