But most people still do and those who do are more likely to have a college degree. 

Are you looking for someone to lend money on deals you want to do?

I have a regular chase business banking account and have never had an issue with the type of business I do. 

What are you ultimately trying to do?

The things you didn't do are now breaking.  

@Wendell looks like most of the deals that you do are HUD homes, do you find making offers on HUD homes easier to do to vs other leads?

What sort of investing do you do?

I was not suggesting to go to an attorney in every situation, but if the OP is not familiar with the legal ramifications of the earnest money, and the realtor is not able to advise, nor is there specific language in the AOS outlining mediation, or steps of who is due earnest money it might be wise to consult with an attorney to fully understand legal options.

B just wanted to close in a different entity than the one we originally wrote the AOS with.

Are you investing for pure cashflow- any market will do?