If your sponsor wants to show 'sufficient funds' (apart from normal pay), all he needs to do is get a very short term loan from a friend or relative and put it in his bank so that it shows on the statement. Can give it back the next week, or whatever.
With the house:
If I have a friend who decides to rent their house to me, complete with a rentbook, etc then I have accommodation don't I.
I don't actually have to take them up on the offer, but again, I have the documents I need for the visa.
