Also now clear that the lender is not doing their proper due diligence or even reading what we are giving them.  

There are several benefits of having cash in the bank/liquid reserves versus an open end mortgage (a.k.a) credit card.

You need to know your state laws and brokerage requirements so that you don't get into doing any brokerage activities unless you have the proper license.

Suppose you have $46,000 mortgage at 8% interest on restaurant, $22,900 SBA loan, $3,900 at 1.75% interest on a microloan, $23,00 on temporary 0% interest credit cards all for the same business totaling $95,000 in debt. 

The algorithm is properly ignoring your listing now.

When you say "is it proper etiquette to ask the seller's agent to share this info with us..." what info are you asking for specifically?

PLAY YOUR CARDS CLOSE TO YOUR CHEST.

I don't think a gift card is necessary at this point, but if you can exchange addresses and phone numbers that would be great.Think like a neighbor....they are going to be worried about parties, noise, trash, etc.

I called Home Depot, they told me to dispute the credit card charges so I did.  

We have some credit card debt we are hyper focused on paying down , and 34K in my student loans (not touching currently due to SAVE plan with the zero percent interest).