IF you did disclose that, in writing.

The income they use is a 2 year average and you cannot write off a ton of deductions.

I couldn't do that recently any time I had a buyer, constantly dropping everything to scramble, show and write in case they present early (which they did frequently, even if they promised they'd honor a deadline). 

However, we’re unsure of the implications, especially when it comes to writing off our W-2 income through business expenses.

So they didn't have to write up a quote? 

The reality is the opposite - if it's not in writing then the PMC doesn't have to provide the service or can charge extra for it!

This amount is fully refundable for any reason if you do not execute a loan commitment with us and you request in writing within thirty(30) days of the date of this letter the return of the $10,000.signing of the loan commitment, a commitment fee equal to five percent (5%) of the Financing Request is due; three percent (3%) would be payable at the signing, and the remainder would be payable from the loan proceeds at closing.

I’d then write “No longer at this address” in pen on the front of the envelope, and take another pic of the envelope at that point.

I’d study competing units to see what they offer and think about a style and amenities that will make you competitive.

If they cannot guarantee and lock that rate in signed and in writing you have nothing but a promise which is worthless.NEVER pay upfront fees especially for a promise.Almost 100% of the time it is a scam.