I have been even or positive on my taxes for 3 yrs.. Havent filed any. Should I make my income look higher?

Planning to get a loan 'fully documented' for a property investment. Need to show more income on my tax returns to qualify. Will the tax man mind a few grand more for free?
And ... how stupid does this really sound?
It's my only chance out of this middle class maddness!

If I understand your posts, you are applying for a fully documented loan, but are a tax delinquent, and want to know of the IRS will mind your lying to the mortgage company?

I think the IRS is going to more interested in the Failure to File issue you face. Every client I have every worked with who hadn't filed taxes in prior years has stated "I was either breakeven or they owed me money for those years so it's no big deal, right?". Sorry, it doesn't work that way.

The fully documented loan is going to include your prior years tax documents. So were you planning on making them up?

Seems to me you want to escalate from being a tax delinquent to mortgage fraud.

Falsifying your tax return in either direction is illegal.

What do you mean, you've been even or positive? You've had a refund coming, but just haven't filed? That's not very smart - file the returns and get your refunds.

That sounds very stupid. You will have to explain to the mortgage where the extra money came from since it will not be reported by your employer. They'll want proof of some kind that you can count on receiving that extra money each year you have the mortgage.

You could easily end up paying Uncle Sam more in taxes (which he wouldn't mind) and still not getting the loan.