I'd be suspicious of the $104 off of $135 comparison.

While nobody can tell you your intentions, you'll know if you commit mortgage fraud or not and have to decide if you want to flirt with the law and risk a loan officer or manager submitting a Suspicious Activity Report to FinCEN.For context, I own a mortgage company and am my companies compliance officer so I'm not some rando spouting nonsense like the person above. 

A random South Dakota number calling on a Saturday afternoon probably looked a bit suspicious.

A random South Dakota number calling on a Saturday afternoon probably looked a bit suspicious.

Your CoC and Cap Rate #s look very suspiciously too high. 

I know there are utility credits or whatnot, where the electric company gives you a credit or even pays you for your excess generated power, but I was always suspicious (maybe irrationally so) of those rates and arrangements.

That's a red flag.When someone offers to pay multiple months in advance to hold the property for them, that's a red flag because they are often trying to entice you to short-cut the screening process.I wouldn't rule them out, but the whole thing seems suspicious.

I have not seem them use a PM to do that, but asking for documentation like this doesn't seem suspicious at all.

So I would be suspicious of one company claiming nationwide expertise.

I'd be suspicious, too.