If you are maxing out with the W-2 associated plans, your Solo 401(k) would be limited to accepting employer profit-sharing contributions based on your real estate commission earnings.There are several solid professionals who specialize in Solo 401(k) plans here on BP. 

The seller most likely does not want to hire a real estate agent and pay a commission.

Otherwise, you have a penalty fee AND interest due from when the qtr'ly payments should have been made.So, in your case it might an incentive to get your return prepared and file as soon as possible to limit any late fee interest due.For those working a job with uneven payments, e.g. sales where commissions could be anywhere throughout the year, there is a part of the form (I think Annual Installments.. it was "AI") where you can try to show that you paid qtr'ly as your income came in. 

Looking for recommendations on the following:1) Sponsoring Broker; ideally looking for somewhere that does commission split without a monthly fee2) Is it a requirement in Indiana to be a member of MIBOR?

If it’s close remind them they’ll save 4-5% in realtor commissions, could you have 2-3% of that?

Most contracts I can download online or through the state real estate commission.

You can also consult with your agent to tell you if you can borrow from your policy.If you want to get a policy that is designed properly for high cash value accumulation you need to find an agent who is knowledgeable and willing to sell them as the agent is getting a lower commission on them than regular policies.

Therefore, I should earn a double commission, same as you if you represented both sides.

I encourage all others who have been swindled or have had similar experiences to share them too and to submit complaints to the Better Business Bureau, Department of Consumer Affairs, Consumer Financial Protection Bureau, State Board of Accountancy, Federal Trade Commission, Police Department’s Financial Crime Unit, and the District Attorney.

Also, one must be aware that some loans do not allow the buyer to pay their agent a commission and no one likes to work for free.Historically, REALTORS® are able to sell a property for a higher price than FSBOs.