Which of the following would not be a typical red flag for loan fraud when a construction developer submits a draw request?

Omission of the developer's personal account statements is not typically considered a red flag for loan fraud when a construction developer submits a draw request. The focus in evaluating loan fraud usually revolves around the legitimacy and accuracy of the submitted invoices, lien releases, inspection reports, and other documentation directly related to the project and funding draw process.

In contrast, the other options are directly linked to common fraud indicators. Altered invoice documentation raises suspicions about the authenticity of costs being claimed. Failure to provide lien releases from subcontractors can indicate potential issues with payments and claims against the property, suggesting that the developer might not be fulfilling their financial obligations. Missing inspection reports can imply that work has not been adequately verified or completed as presented, further signaling possible fraudulent activity. Therefore, the absence of personal account statements does not directly influence the integrity of the construction draw request process, making it the least relevant in identifying loan fraud.