Yet, invariably, a few months ago, they come up with an almost identical deal.

This is an area that is certainly tightening up lately - almost more so as a protection against fraud (borrowers that can't qualify for a owner-occ conventional loan so they pretend to buy an investment property to get a home), but also just risk in general.

Recently investigated by the Ohio Bureau of employment and had calls with the FBI regarding an individual that we exited a relationship with many years ago after finding out about the fraud they were committing (We had a very good friend from this thread that saved our A$$ by calling me and saying “Engelo, you aren’t doing anything wrong but get out NOW).

hmm...well, as someone who has 20+ million in warehouse lines of credit I do know that it would still be fraud not to include those loans on the application/quarterly financial statements that are required for business credit. 

This house isn't winning any architectural design awards on the outside-- I joke that it is having an identity crisis.  

A+ tenants seek out quality managers because they know the hot water heater will be fixed tonight, not two weeks from now.83% of Property managers cited fraud in at least some rental applications last year, how many DIY landlords even knew the fraud was present? 

So, unless we detect and have proof of actual fraud, let’s eliminate the word fraud when referring to these programs/gurus in our posts.  

I believe that it has to be OO for 12 months, barring extraordinary circumstances, like getting transferred out of the area for work.FHA has a whole department dedicated to "occupancy fraud" and given that it's a felony, I'd steer very clear from it.

The bill contains technical amendments and is identical to SB 358.”

While this does technically satisfy the requirements on paper, it would never hold up under audit and would be considered evasion/fraud WHEN discovered (not if).