To that point, most mortgages are backed by the US Govt and most mortgages are paid by check through the mail or by electronic transfer which adds bank fraud to the charges (all of which involves the interest of the Feds.)

@John Patterson I would not under-report your expenses on taxes, because that is considered tax fraud the same as over-reporting.The way you scale is by adding cash flowing properties.

Further, it would seem that your plan may have some components of mortgage fraud, although I’m sure that’s not your intent.But back to good reasons and bad reasons for partnerships.

Other than offering to be fluid with his 45 and 180 day limitations (identity in 45 days, close in 180), what else can we include in our offers to make them more appealing?

I'm not sure about LondonBut in the US telling a bank you're buying a property as a primary and then not living in it is mortgage fraud. 

You could ask the seller to provide cancelled checks showing they paid what they think, you could bring your printed copy of the Hoa forms to their management, you could ask the owners of any identical sized properties in the same Hoa.

Any landlords have people trying to sub lease their properties? They qualify, act as husband, then profit by putting in non qualified people, saying they are husband!! I do have no sub leasing clause in my lease 

Not only can that get you in serious trouble (bank fraud) but your heavy debt load is very risky.

Just don't, the insurance is way more expensive and tenants see it as identical to a home not in a flood zone so they aren't willing to pay more, it can be difficult to sell, and if it is at a discount now it will likely be at a discount when you go to sell it, not to mention it could get flooded obviously.

He is a FRAUD!!!!!