Do you plan to close are you simply trying to work as an unlicensed broker?

If you go to a bank or lender directly, you will most likely be dealing with an unlicensed salesperson who's sole job is to sell you on what's going to make the bank or lender the most money.

What needs to be discussed is whether the seller is going to get what they BELIEVE they got or get yanked around.I think these unlicensed brokers need a lobby and I suggest it is called WHORESwholesalershelpingowners realestateservicesLOL!

This is why some people say that unlicensed brokers fill the gap on very low end properties.

You are wanting to operate as an unlicensed broker and use listing contracts DISGUISED as purchase and sale contracts. 

generally a bank will not allow that sort of transaction with an unlicensed broker as a middleman

Now, the unlicensed broker is in for a little surprise.

Put it in whatever name you are prepared to take ownership in if you cannot successfully unlicensed broker the deal to someone else.

That duplex's septic had just failed and he replaced it with unlicensed sloppy work.

They do an ok job of placing tenants, but when they sent an unlicensed, uninsured contractor to one of my properties and they did 15k worth of damage, they essentially shrugged it off and said "Oh well.