As far as lying about electrical and plumbing , well the wire and pipe have the manufacture date on them . 

I did learn some stuff from the seminar but felt it was more of a sly sales pitch and decided against spending the $40 thousand dollars to go through their advanced training and Mentor system.

If John, the bank's attorney, is getting paid to mess with you, a bogus buyer with no  intent to close yourself or who doesn't have the ability to close, the bank just lost money, because some investor thought they were a sly wheeler dealer.When you sign a sales contract, you take equitable title, not your imaginary unknown buyer, but you!

@Kata WaltersWhat a lot of people don't realize is that MANY investors and even large companies use debt to purchase assets, it's just a matter of understanding the discipline that comes along with it. 

Any lawsuit on seller can get recorded on title as lis pendens and eventually be a judgement.No down payment and 5.5 rate are great plus(es).

Please don't search for a "sly" method.

A great landlord will do things in a upfront matter not a sly way.Joe Gore

Germain Act of 1982 which prevents lenders from enforcing the due on sales clause when residential properties are transferred into a revokable trust and there is no change to the rights of occupancy.What you are doing is looking for fraud such as lying on a mortgage application, late payments, or transferring property into an LLC without using legal methods I have described aboveIt is clear from your prior posts you know little about legal methods of asset protection such as land trusts or LLC's that many successful real estate professionals use who follow the rules.

Hi Kata,  I do 90% of my investment loans with First Financial Bank and are amazing. 

You asked if HM lenders can be trusted, some yes, some no, but it really depends on the terms, they can be trusted to follow the terms of what you agree to, I don't get the impression you will be able to out wit a sly lender.