The two units have identical layouts and square footage. 

Account Closed  that you for keeping this in the forefront.. its a HUGE problem..State of CA even has a disclosure form that agents must use now in transactions that specifically warns buyers and sellers of these fraudulent thefts.title companies and most closing attorneys have big bold disclosures on their signature lines about wire fraud.. my company sends about 30 wires a week.. and if its not to our known vendor or title companies we do phone verification and other verification techniques I cant discuss on line because I don't want the crooks figuring out how we figure out they are thieves.we have had it happen to us.. we get an e mail from one of our vendors but its a fake one and it usually says "  Jay we changed banks or bank accounts please send funds to this new account"  we have caught two that were fakes..

That is lower than the 23% deduction in the Senate bill, but when combined with the lower top tax rate on ordinary income, it equates to a nearly identical 29.6% top rate on that income for pass-throughs.

I think industry jargon is important in creating  a sense of identity among members of a given industry.

Which is of course fraud, but their coaching fraud was verbal and your occupancy intent fraud was in writing & notarized, so guess which of the two cases of fraud (the allegation of verbal fraud on the part of the HML v the notarized written fraud on your part) a judge is likely to believe actually happened should it come to that.

Tenant has been there for 4 years,  he's always paid a bit less than tenants in identical property because he moved in November,  at the time we had no other qualified applicants.  

By fraud I mean, if you were writing a contract without the intent of following through.

What you're worried about is what's called "Occupancy Fraud"  and the lender calling the note due.However, a few months after closing, if your life changes and you need a bigger home or one in a different location, then you gotta do what you gotta do.I would wait for at least 4 mo./ payments, giving the refi loan lender time to sell the loan to the investor or servicer and after they run an Occupancy Check. 

What if someone hacks your identity and lowers your credit score? 

That is the bigger part of my identity and fuels the rest of my life including my investments in RE, stocks, crypto etc.