Fraud: wrongful or criminal deception intended to result in financial or personal gain.

Took in criminals straight out of jail, sex offenders, people with 15 evictions, etc...We used 1/4" luan to patch holes, spray painted everything off white, floors got painted black, kitchen/bath got roll vinyl, no central air (which meant 1 window per room had to function [and that's all the windows that functioned]), busted kitchen cabinetry got boarded over and so on.

I don't know that we've ever received things like criminal background check and credit history reports from sellers.

It may not be a theft under criminal law, but it's still a theft of services and an indicator of someone who has no moral compass.I even live in a landlord-friendly state where evictions are relatively fast and efficient. 

Criminal record was clean.

So none of this "sneaky-petey" (no offense to those named Pete) changing the title from personal to your entity after closing, because the bank would not allow you to buy in an entity. 

The most thorough explanation ever and took offense to my offer.

From our website:Poor screening often results in lost rents, legal & court costs and costly damages.Screening of applicants includes the following:Full credit/eviction/criminal checks are done, instead of score-driven reportsVerification of rental history includes validation of actual property owner to avoid fraudVerification of stability of income & employment via YTD paystubs & W-2(s) (analyzed to confirm not fakes)Income is calculated 3 ways to spot stability anomalies: pay period, YTD average and YTD + W-2 average.Debt-to-income analysis (more accurate than traditional 3x rent requirement)Bank statement to see if NSF issues, if deposits support income, prove MoveIn Funds, also analyzed for unusual transactions.Pet screeningHolding Fee required from approved applicants to make sure they are serious, before your property is marked pending.

You pre-screen on the phone by informing them of your screening standards, employment, income, credit, criminal  etc. and make it crystal clear there are no exceptions.

But apparently that law also states that the rule does not ' allow landlords to charge applicants for credit reports obtained from local or regional consumer information databases, credit  brokers, resellers, criminal background checks, reference checks, and sources of other  personal information not contained in one of the three listed national credit repositories."