An example of $6k of value that an appraiser "can't" count could be something as simple as a vacant property where you get to do your own tenant screening, compared to another substantially identical fourplex that has tenants in place, tenants who you didn't screen, a lease you didn't sign off on that you now must honor, etc.

There are many frauds that made millions.I've never heard a legitimate mentor say "if you play your cards right".Take the job if you want it, but you seem to be thinking this is some once in a lifetime opportunity on which you are afraid to pass up. 

I have one loan officer say i just live there and he will push it through but i feel that would be fraud.

You cannot show one picture to the IRS and a different picture to the lenders - that would be either tax fraud or mortgage fraud.One notable exception is depreciation.

I'm writing you to save you and yours from dealing with a thief, a liar and a fraud.

Originally posted by @Greta Grakowski:I would claiM Fraud.   

There are two identical units for sale in the subdivision.

If they owe more than the assets or equity can cover, then its better to keep those books as seperate as possible (I wouldn't even pay the bills/utilities until the estate has accounts setup for that) as you may need to declare bankruptcy on the estate, and any attempt to use your money until the estate has be settled will muddy the waters, and possibly even cause you legal issues (think fraud or evasion.) 

@Quentin Mitchell didn’t you do an identical post before or was it your twin brother?

I want to know if there’s any option as well to take advantage of my current free housing and using the fha without committing mortgage fraud.