When I received the Construction Agreement they want me to sign, none of this is included.

You say the POA was made to sign the loan.

DSCR will not work as they are business-purpose loans and you will have to sign an affidavit of commercial use. 

We signed a lease-to-own contract for 60 months.

I had a few tenants e-sign 6 documents with multiple pages in a couple minutes and realized they did not read any of it! 

Sometimes they find a renter that will sign a lease for a high amount only for the renter to default leaving the owner eating the vacancy. 

U know when the settlement statement comes in there maybe 1 point but 5k in junk fee's that are disclosed until basically the day of signing as they are not legally bound to disclose all their fee's up front like a NMLS state licensed owner occ loan.

If not, this is a sign to be doing that.

Does she have to sign the payment agreement for it to be enforceable?

I've always gotten a signed "authorization to release loan info" from the owner on record.