EARNEST MONEY: In the event of a dispute between the Seller and Buyer regarding the disbursement of this earnest money, the broker is required by Ohio law to maintain such funds in the broker’s trust account until the broker received (a) written instructions signed by the parties specifying how the earnest money is to be disbursed or (b) a final court order that specifies to whom the earnest money is to be awarded.

Its been a final since running the numbers but Im comfortable with the buffer thats there. 

Not working for the buyer, there's a fine difference.OP, in your case.

This seems to be such a fine line.

I'm thinking something like this as a final look, what do you guys think?

Code § 10139Any person acting as a real estate broker, real estate salesperson, or mortgage loan originator without a license or license endorsement, or who advertises using words indicating that he or she is a real estate broker, real estate salesperson, or mortgage loan originator without being so licensed or without having obtained a license endorsement, shall be guilty of a public offense punishable by a fine not exceeding twenty thousand dollars ($20,000), or by imprisonment in the county jail for a term not to exceed six months, or by both fine and imprisonment…

Well, that's a fine kettle of fish.

Then with a clearer picture the members of BP's guidance can help you make a final decision. 

If you know of any service providers who can write and prepare these letters, possibly on the mainland, and then ship them to me for a final local dispatch, I would greatly appreciate your recommendations.

I'm super excited to get the wheels turning as this seems like a fine path to investing for me at this time -- but I'm really curious what everyone else is doing to make investing work in Jacksonville -- especially given the "fun" of the Florida Homeowners Insurance market.