Please have the impacted reservation ID ready for reference with you when you reach out.This issue has been resolved and we greatly appreciate your patience and understanding.Thank you,Vrbo Partner Support"I looked through the bookings that may have been affected, all the numbers seemed close enough.Anyone else get this email or notice any big discrepancies in their bookings?

Get references.

Many agents can refer you to a lender themselves, so should I get an agent first and use one of their referrals?

Quote from @Mark Frattini: I've referred my CPA to several others on BP.

They had great references too so it worked out. 

They have made it clear to me that they refer to me because they are comfortable/confident that I will take good care of the client which reflects better back on them, keeping their reputation strong and earning them real estate referrals from the client if they end up happy with the whole experience (which is much more valuable to them than a few hundred bucks from me). 

Some people do refer to private money as friends and family, but in reality Private Money refers to "not banks".

Those buyers may refer them other buyers that are looking in the same market. 

I’d also email the letter’s contents to the tenant without delay: “On X date, approximate time, I personally deposited a letter with a copy of the attached contents (please see attachment for reference) in it into a USPS mailbox located at… It was a stamped, with a “USA Forever” stamp, and sealed, letter addressed to your first and last name at the following address, which was the last address you have provided to me for yourself, and is the only address I am currently aware of for you… Furthermore, you appear to be in non-compliance with ORC 5321.16(B) (this was Ohio,) which states, in part: “… The tenant shall provide the landlord in writing with a forwarding address or new address to which the written notice and amount due from the landlord may be sent.

I had a few conversations with Cheryl as well as a couple references that she sent me as well as a few that I found on my own.