Good news guys.
I went in and changed all the "05" players to "84" players on one of Ratesports head to head files, and like I suspected, it passed the online verification screen!
So I just need to test it out to see if it crashes during live online gameplay now.
Here is a download link to the file (you will still need to resign it via Modio):
http://www.mediafire.com/file/144fcc...6yu/Roster.ROS
I also gave all the user teams maxed out playbooks so you can run any play in the game and aren't stuck with the crappy default playbook for every user team.
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Edit: I tried starting a game with Taz using the custom lobby and it crashed his system before we could even get to the team select screen. My system was fine other than the game telling me I couldn't connect to Taz.
Taz was using the default game rosters, and I was using the file posted above so maybe if we both had the same roster loaded it might work?