The legal term is FRAUD.

Best practice is being honest with your lender, you don't want to get slammed with mortgage fraud haha.

That is called FRAUD.

There is a renovated one identical to mine literally around the block that went for 127000.

Helps me keep track better and if my account gets frozen for fraud activity I don't have to worry about all my money being in one account. 

And if you are setting up a system to avoid taxes, that is fraud and if challenged in court would not hold up.

I think the difference was prepaid a we’re 1k higher and they are identical properties so to speak.

"Qualification inflation," like how in 1955 having a college degree might impress people, in 2019 it's just a standard expected thing.(2) Owner occupy (legit, not fraud), or buy the rate down.

Upon speaking to him and asking about the sale of his home, the owner explained to me that he had no intention of selling and that the person claiming to have a contract with him was a fraud.

for NON owner occ commercial purpose loans.. for all owner occ loans it is required.real lenders do not solict you with e mails like this.. 99.9% of those doing that are fakes and frauds and will just scam U out of whatever money they can get.google Ingrid Robinson American Greed to learn how these perps work ..