I wouldn't try to do anything fraudulent.

It might be that it is better to get a second property and leave the existing one as is.I think Scott Williamson, has a valid point about appreciation, but that is a gamble.

Beings that's the case here, most renters actually prefer to buy what they want VS gamble on the condition of the appliance left behind by someone else.

That’s not considered fraudulent?

Please send me a Western Union money order for the $4K difference right away as I need it to cover my moving expenses".A week or so later and that $28K check turns out to be fraudulent.

You could gamble that all your properties will sell within that first 180 days and go ahead an just name your large MF property as your replacement.  

If they're not drawn to the gambling, it's the booze and hookers.

Appreciation (over a 3-4 year period) is speculation and no different than gambling.  

Nor does the mortgage company want to gamble on whether or not the borrower will have sufficient funds to pay when do.  

It is gambling in some sense but I really don't see Southie going down anytime and only becoming more desirable as G.E, Reebok, Amazon move to the Seaport and as Andrew Square and South Bay get developed."