It is unethical to tell the seller you will make their payments if you can't do it because some external factor causes you to procure your own financing.

We use several sources including list source for list procurement.  

Being from the Bay area, you might not be all that familiar with how a farmer goes about obtaining either of those products, so let's just say they come from the same source, but involve very different methods of procurement. 

***Money earned from the properties you held and/or flip would count as well, since the mailers were the procuring cause of the deal.Finally, with that volume of mailers, do you have these numbers?

The loans you procure will be callable and thus you should be able to refinance them on demand if the lender requires you to.

If the buyer is responsible for the commission - you are now procuring a new cost that you didn't before - so no financial benefit on that end.But it doesn't mean that there is no benefit whatsoever. 

Previously I thought that was the exception to procuring properties. 

They acknowledge that if they fail to procure such insurance it is their responsibility and they alone shall bear consequences.The lease that I use has the following statement. 

A loan contingency is saying that this contract will only proceed if a loan can be procured by the selected date.

If we can't procure a buyer for the larger packages we will begin listing them after 30-45 days.