第一个是骗房主的,后面两个是骗买主/银行的.

1) Rent-to-steal

Say you’re advertising to rent your home or investment property. A renter
shows up who seems to have all the right documentation to qualify. It’s a
deal! The monthly rental checks start coming in on time. But behind your
back, the renter (using an alias with fake or stolen identification) goes to
the local court and files a false “satisfaction of loan” document complete
with your forged signature, forged bank officers’ signatures, and bank seals
. This shows that the property is now “free and clear”- that is, there are
no outstanding mortgages on it.

Now the renter/ con artist is able to go to lenders and take out new loans
on the property-often taking out several, practically simultaneously, in
your name. Suddenly your renter vanishes and three or four banks

2) Straw-man swindle

Con artists use a “straw man” or “straw buyer” to purchase a property. A
straw buyer is usually someone fairly unsophisticated who has passable
credit. Often straw buyers are told by the huckster-a mastermind who uses a
false identity and typically poses as a sophisticated investor-that they’ll
get a nice chunk of money if they go in on a plain-vanilla business
transaction with him.

The straw buyer gets a mortgage on the property. Then the straw buyer signs
the property over to the huckster in a quitclaim deed, relinquishing all
rights to the property as well as the underlying mortgage. The straw buyer
gives the huckster the mortgage proceeds, taking a small cut-usually 10
percent-for himself. The huckster doesn’t make any mortgage payments and
often even pockets rent from unsuspecting tenants until the property falls
into foreclosure. Usually the straw man, not the mastermind, is arrested for
fraud.

3) The million-dollar dump

A con artist looks for a low-end, rundown house for sale. He approaches the
seller and says he’s willing to pay the full asking price-but only if the
seller will do him a small favor. See, the buyer needs a bigger mortgage
than the house is worth. So if the owner agrees to relist the house at, say,
triple the price, then the buyer can apply for a bigger mortgage.

The swindler often tells the homeowner not to worry-he wants to use the
extra mortgage proceeds to fix up the house. The seller usually heartily
agrees: He’s getting the full price … and besides, wouldn’t it be nice to
have the place fixed up? The swindler, using a false identity, takes out the
supersized mortgage, pays the seller, and pockets the remainder. The house
usually ends up in foreclosure.