I don't really want to bring up the whole sex thing when we've got serious mortgage fraud on the table, but Bruce and Ed are (or at least were) male escorts. Bruce has a prostitution conviction, punlman advertised their services in both Florida and New York, Bruce admits to being a sex worker in the "500 baht virgin" thread on two separate occasions (one of which was recently deleted but exists in Google's cache) and seemed very knowledgeable on how much to pay them, and Bruce even reviewed his own services through his bred33480 account.

I don't think it's particularly fair to imply that Bruce and Ed afford their penthouse solely through scamming based on no evidence, when there's a lot of evidence of another 'revenue stream'.