Read the attached post, this story is identical to mine and about 60 others scammed by David Hughes, Walt Trock and Michael Lanzahttps://www.victimsbelocscam.com/forum/victims-discussion/mc...

People just create cute little names like "gator" to peddle their fraud and people jump all over it for the "cool but fraudulent factor". 

Even the fraud dept said that.

How does it not affect your DTI unless you don't report it on an application; wouldn't that be fraud? 

Relying on the fraud working is a bad way to do business. 

However when investigating this I see I would likely be commiting fraud. 

My property management thinks he is qualified based on just 4 pay stubs, employment verification and one screen shot of bank statement (just total. )when I ask my property management to ask that guys to show actual bank statements ( not screenshot of avail balance) and w2.my pm said, “it’s easy to find fraud using screen shot. the more I wait the more I loose.

I'm trying to understand how #1 is not mortgage fraud?

Now they are defunct due to fraud. 

You will also want to network with someone thats an expert that can help you through that so you don't end up losing money, or not being able to refinance.If you do want to take advantage of the percs of putting low money down and doing a primary, you'll definitely want the advice of an experienced lender that can tell you your options if you might move in a short period of time so you don't get flagged for mortgage fraud.