What surprises me is that those who knowingly and willingly participated by creating fraudulent documents in support would not also be liable for intention to defraud and deliberately making false statements and attaching their signatures to them intentionally.  

Determining whether you should buy your own place to live or rent one demands careful deliberation.

Be deliberate in your process.  

Did you try Credit Unions or did you just apply at major Banks like JP Morgan Chase?

There is a property in my neighborhood that has been foreclosed upon and is now owned by by JPMorgan Chase, but it's not for sale anywhere I can find.

As others have already mentioned, if you plan to sell, make sure you have a deliberate plan and reason for it.

Don't get overleveraged, make sure you have accurately-calculated cashflow on all your properties and be smart and deliberate with your acquisitions. 

Deliberately have a few challenges in your screening process - it will weed out "entitlement mentality" problems4) Allow payment plans, but create system to track when payments due, so they don't keep falling further behind You will need to call them on due dates or they will fall further behind Be prepared to give a strong NO when asked if you will change rent due dates to "make it easier" for tenants to pay rent based upon their SSI or paycheck dates.

They either chose not to deliberately or forgot. 

I've watched some people who deliberately don't park in front of the house where they are visiting and park blocking another person's garage across from where I live-there is no one parked in front of the house they are going to.