because I have never used an online background check service like smart move I assumed that the process online would be virtually identical to the paper process that typical tenant would go through when renting any property.

Here are some typical ones:1. subject to my partners approval (your pet rat can be your partner)2. 120 inspection (we have world class inspectors...and they stay booked)3. subject to a 60 year mortgage at -0- interest If these aren't enough you can go to the "wholesaling" forums and find plenty of advice from frauds and scammers. 

When I speak of using alternative building methods, I don't really feel compelled to maintain the current aesthetic level or identity associated with the concept.This is the main reason I want to go with the cookie cutter approach to building these.  

Could you be liable for fraud on top of triggering DOS?

I received a lot of identical answers as the posters here, but found one really important insight: almost everyone I spoke with was not speaking from real experience.  

I have a three family building, all units are identical and stacked on top of each other.  

It does not matter if you pay a point or two more or your interest rate is a little higher, you will have the confidence that you are not getting your identity stolen.

You could in theory try to do VA and then a year later FHA, but you've got to be very careful here, as it starts to become a mortgage fraud landmine. 

I spoke to my dad about locating money lenders and he told me I'm wasting my time because no one will give me any money if I don't have an income.Secondly, the people close to me are telling me that most of the money lenders are probably scammers, trying to take my identity, so I cannot trust anyone, And thirdly, my dad is telling me that because I am 18, I am at no legal age to sign any formal contract for any loans..

Just did a drive through DP the other day and the first street, I swear the first 25 houses were identical.