So if he were to rent it out wouldn’t that show up on his taxes and say if the bank finds out and is okay with what would he do with it on the tax side of things would he report it as soon as it it’s in service or what would he do for tax purposes.

If youre wanting to make a cash offer, all I can say is that Ive never seen a competent seller/listing agent accept a cash offer without proof of funds, meaning a bank statement or similar document(s) showing liquid cash for closing.

In a recent post, I explained why that it is not the case.

With those numbers, have you checked with a local bank or credit union?

Based on what you have explained here and assuming that all of it is true, than you really only have two options to get it rented1.

Generally speaking, with SFR or small multis, I just rely on the lease/rent roll (and some form of proof of payment; i.e. bank statements, deposit receipts, tax returns, etc.). 

Yoru bank probably wants yoru mailing address to match your ID. 

That's how the banks do it.

Can someone explain something about the buy, borrow, die concept of avoiding income taxes? 

If you continue filing taxes jointly the income you realize from your separate property will still need to be explained and redacted, regardless of the type of entity holding the real estate.