I'd be more worried about the Federal Reserve.

It sounds like receiving this document from the landlord would be an even better step than asking for the rent rolls, since it'd be a crime for them to provide false information on a federal form like a tax return.

But the point of this exercise(and this is the fundamental premise of my book) is that for 76% of Americans who live paycheck to paycheck, when you:1) Have your housing payment represent the largest portion of your take home pay, and;2) Have massive student loan debt, and;3) Give half of your paycheck to the IRS involutarily through State tax(didn't count NYS tax in the example, an effective tax rate of almost 15% on TOP of your take home pay), Federal tax, local tax, and social security tax;It becomes extremely difficult to get ahead financially simply working and trying to save. 

After that get a Federal Tax ID and whenever possible use that instead of your Social Security Number. 

Dodd Frank is federal, and you may have overlays in your State.

This is relevant only if you end up owing uncle Sam Federal taxes. 

The Federal Trade Commission has some helpful information: https://www.consumer.ftc.gov/a...

It's going to be probably $30K in federal, Another $15K in state, and whatever depreciation recapture there is which will be at 25%. 

They have no legal authority under federal law to tell you you can't use a building for a purpose for which it is zoned for.

Primarily, if you lie, deceive, "mis-remember", don't recall, don't disclose etc pertinent information on a loan that is insured by the US Govt then "yes", it is considered federal fraud; with charges of perjury, mail fraud, and money laundering as well and you really don't want to go there.