Kinda using the same process the banks are using to assign short sale listings to "affiliated or Vetted" agents, a practice banks have used for years.This is how it will go, I market to my normal NOD or NOS clients that I track on Property Radar.  

The app fee equals about 50% of the point fees they are going to take so red flag.You run into daisy chains where people are just affiliates of a lender and have no clue how to underwrite a property or loan.

I dont know either tenant or have any affiliation in anyway. they are preexisting to my acquisition. thoughts?

They themselves seem to getting affiliate clicks. 

So here goes...I live in the Memphis area and worked for 3 years as an affiliate broker helping primarily investors locate and acquire various investment properties for both flip and hold investment strategies.  

However, that's really not okay that your hard money lender didn't get you fully qualified/approved for the conventional loan with their affiliate lender prior to originating your hard money loan.  

The App was Signed by a BILL BIGGS and signature did NOT remotely resemble a BILL BIGGS.The app said it was from an "Affiliated Mortgage Lending" company based out of Texas.

May be a good place for you to learn and network a bit. ( I have no affiliation with the REIA)

This hasn't been proven out in court yet, and Dodd-Frank is riddled with phrasings along the lines of "the creditor and all affiliates" (one of which you'll even see in the small creditor flowchart I link below).

Hi Reen, Congratulations on passing your exam and affiliating with a brokerage!