Any decent underwriter's job is to find out these sleights of hand.

For context, as I have not left my day job so I am disqualified. 

I'm "retired" and entering the business full-time, while my other partners are at various stages in their W-2 jobs.   

Stop complaining and do the job.

If you want to do LTR, unfurnished is much more common and expected. 

I am currently in my first year of my W2 job (post graduation), and after a year of listening to Bigger Pockets, getting my real estate license, and allocating funds, I have finally decided to dive head first into my first investment.

It has a large shared kitchen, common areas, and shared bathrooms. 

(And even then, I'd argue most of my Airbnb clients manage their own short-term rentals in Colorado as well, even with full-time jobs.)

A few years ago, I listed a property and the sellers were asking about if they could get $40l-$50k more than asking --- it was and still is pretty common in my market. 

Or if the lender requires that she be on the deed then you just meed to make sure that the client goes on deed as a tenant in common to as much as they sold.