It's a simple math (Geometry/logic and Algebra/execution) problem.

I do have a great plan to move forward with, it's the execution of the initial plan that's taking me long but, it is giving me more time.

As such, Seller grants Buyerlimited and specific authorization as its attorney in fact to potentially advertise the property and execute any documentsincluding listing agreement(s), disclosures, cancellations, sales contracts and addendums.

I keep comparing to Aussie and other countries world wide.Buyers agents pretty much don't exist and only listing agents do.true, US is almost always the most complicated one, in other country no need to have buyer agent but there're more, no need to pay tax when selling house, no need to put all 2000 pages disclosure when selling house  , no need to have house with so many certification (required in some states ) before renting it out , no need to hire expensive licensed american-born General contractor when repair house, no need to call specialized licensed educated electrician / plumbing with ipod because it's just .... plumbing. no need to pay tax with annual increase .... no need to pay ridicilous amount of insurance every year no need to check their credit score and immigration status when renter is impying LOL the list is on and on

It's the American way!

The person I connect via email is Jeff, whose signature also says he's Chief Executive / Loan Officer.

My concern is that American Modern has a lot more terms compared to State Farm.

We had the same idea and executed on it.

I understand this concept once the option is executed,  but not sure how this would apply prior. 

So just recognize this could be lengthy process if they default.If it was me, I would take it as a non-refundable deposit with a letter of intent and a purchase and sale agreement that the money is a down payment, is not refundable and they must execute the closing by a specific date otherwise they forfeit the money.