The most important information you found out is that your applicant is most likely lying to you and will again.

I think your answer lies in partnerships, commercial loans and owner financed properties.

If a statement is objectively not true (false) or the speaker/listener has no reasonable basis to form the opinion => lie. 

Technology not working right? 

The biggest lesson learned is that a long-distance BRRRR project can be done mainly due to technological advance and information available through sites like BP, books and networking available through the site.

And when I followed up with him a few times about it, he would either avoid the email or claim he would follow up about it, but those would be lies.

I imagine if you lie about that on a 1003 application and GSE buys your loan, you're technically committing mortgage fraud.

Because the title company will be working with all of these lenders at the same time so is the title company going to be lying for you?

It doesn't stop producing heat until like -13°F.VRF technology isn't the same as some single stage heat pump from 20 years ago.

@Chris Mason  I lied.