You seem to have a misunderstanding of what "foreclosed on" means.

Which leads to my next point I think you misunderstand what a condo property manager does based on you listing it with an ! 

Great post  @JJ Pawlowski , very common misunderstanding in the HML transaction process!

I performed a credit/background check and had a misdemeanor charge of retail theft that he claims that he was not charged for and that it was a misunderstanding. 

Well I'm sorry for the misunderstanding sir, but I believe my point has been misconstrued.

I've also heard that using a realtor, particularly on larger deals, would only slow down the negotiating process and introduce another layer of communication that could cause misunderstandings and confusion.I am a newbie and wanted to get feedback from the BP community on whether I should continue to use her or start negotiating deals myself?

There may have been a misunderstanding so finding common ground and ensuring a mutual understanding for the future would also be nice.

Am I misunderstanding something?

Nothing complicated here, just misunderstanding. 

It is this refundable fee for processing the application, that I'm talking about skipping.... have I been misunderstanding what I read??