. :)Two things, coming from someone on the "other side" of those interactions, that email chain where the LO is probably giving you short answers and moving on with their day:1) Loan officers get anywhere from 250 to 400 emails a day. 2) Loan Officers that spend all day in their email and/or texting tend to be the low producers, they just don't do a whole lot of business. 

Get a NEW LO! 

Rehabbers, Contractors, Real Estate agents & LO's.#1 rule never pay anything upfront always at closing with Escrow.  

Most LO's don't understand that part...

I coach Sandwich LO, Lease Option Assignments, Master Leases, Master Lease Options on Apartments, sub2, land contracts, land trusts, private money, jv partnering and more.No money down means not your money but you need money to do business activites, like marketing, day to day business expenses, etc.  

I'm guessing the WF LO is new?

I am having trouble understanding how the lease is handled when a buyer exercises their option to buy.Example sandwich option: I have a 2 year LO with the original seller I have a 1 year LO with the new tenant buyerBuyer comes across some cash in month 10 of the agreement and is ready to exercise the option. 

I tend to do lease options With the lo were price point properties around 150k and below.

  $10,000+ damage bills due to incompetence in LO homes are not unusual.

Based on your vague description here, I'm not sure you understand how a LO scenario works.If you try to set this up as such, an depending on Section 8 as your tool to make it work, you're probably going to be disappointed.