Have I got my facts and information wrong, did I misunderstand?

For some reason the last couple phone calls made it seem as if we wouldn't qualify for an exemption, and we'd have to set up our business as a security... but this is probably a just a misunderstanding on my end. 

@Jonathan Wildy you misunderstand how vouchers work.

Again whether to create this additional entity depends on personal risk/cost choice.Is there any misunderstanding above? 

@Jack Orthman I think there just may be a misunderstanding in terminology in your situation.

@Ben NelsonJust for further info to everybody....most of these guys will state it was either a misunderstanding or it was a “I was 18 and she was 16” kind of lie.

Am I misunderstanding what they are telling me? 

Or am I misunderstanding something?

Your response indicates a colossal misunderstanding of what a fiduciary is. 

We out source that.We have to fully explain the whole process so there are no misunderstandings going forward.The insurance has to be just right and in place at closing.