Escaped charges of check fraud by checking her self into a looney bin at one point and was a known drug dealer.

My applicants are hesitant to give any type of information over the phone or email until seeing property.As other posted I typically let applicants know what are the minimum requirement so they are aware.I recalled asking for credit score and job info and applicant was hesitant in providing info before seeing, his reason was because he was concern about identity theft..

This unit does not have a rental history, although the others that do are identical.  

In many instances, the rates are identical for any consumer 1-4 product.The problem is that the banks I've contacted only do portfolio lending on owner-occupied 1-4 units.I was wondering has anyone come across a bank that has a robust 1-4 unit non-owner occupied portfolio lending program?

Thanks guys, I just wasn’t sure if me not being at the property most of the time would be fraud, especially if I had a roommate in my unit paying me.

One way around that is looking at the bids... if ea one nearly identical then you can reasonably believe that's the market rate.

There are no exact metrics.Here's what you are up against:- Occupancy fraud is when someone uses an owner occ mortgage to buy a property they intend to fully rent out.- Occupancy fraud is currently the most common type of mortgage fraud.- Underwriters are always on the lookout for it.

At the same same I bought a house on the same block of the same street, identical built by the same builder and the same time, I paid $52,000 for that one but kept it. 

What you’re asking sounds a lot like fraud

Occupancy fraud is exactly that.