A lady who wants to pay the deposit + the first 6 months rent (the entire lease) upfront that way we aren't bothered with it every monthORA lady who is employed by a local strip club via 1099 (who provided an employment verification letter stating that she earns an average of $8000.00/month).This is the real situation after tonight's showing.

The proof you need to remove this condition from harming your loan approval will be to prove that you were "not," obligated on this debt that is current going through a modification or shortsale.I saw that you mentioned "currently going through modification or shortsale," if they find that you're obligated on this note/debt then your loan may be shot depending on what the verfication of this mortgage comes back with.Here are the steps the underwriter will probably ask for:- ask for mortgage note to see if you're obligated on this debt- run title profile or obtain a title report to see if you're on title- then run a VOM (verification of mortgage) to see what the mortgage rating and payment history has been on this mortgage (if you're obligated)- update the file accordingly and run the file through the current guidelines to see if you still qualify

The properties are nearly identical.

I make it known that the fee actually goes towards completing a background check which includes sex offender check, criminal background, credit check, and employment verification. 

Or they could consider a verbal offer as "an offer".If I increased an offer and felt they may be bluffing, I might be tempted to put a contingency in for some verification of the competing offers. 

@Antonio Esquivel I do not have his social but he completed the mysmartmove process for me which verified his identity.

Account ClosedWhat we do is have them bring verification from their bank which includes current balance, how long the account has been open, and a letter of reference from the bank about the client saying they have been good clients for X years.

Our application process:"We require a credit and background check, landlord reference and income verification of 3 times the monthly rent.

I own a duplex identical to it right up the street and it just appraised last month for 104k. 

Agreed, although most of those items can be obtained through automated methods.The past landlord, and possibly the employment verification (some information may be on a credit report) usually take the longest.