After submitting an offer, finding partners and using other people money you don't have acquire is very risky, not to mention wasting everyone else time and money, and maybe unlawful.   

You cannot accept the authority of the governing bodies that tell you what to teach, how to teach it, and that you will be punished if you do not comply.

Don't try to punish your tenants.

As the president of F1 Max Mosely would say, "Eet Appears he needs more of ze punishment!"

You won't be teaching them (either the agent or the bank) a lesson by letting the deal fall through only to punish yourself by not getting the deal, assuming you still think its a deal. these mistakes happen all the time, and a mistake requiring a $30 overnight shipping fee doesn't rate too high on the blunder scale based on things I've seen in my experience (these happen all the time!).

I don't do it with my college rentals because they're already spoiled and feel entitled.My low-income tenants tend to be 'management intensive' so that rules them out.However, for the first time I did send a card with a $20 local restaurant certificate to one of my blue-collar tenants because so far they've been good tenants and good neighbors.But I'm sure I'll be punished for that somehow. . . .

The current CA law is that unlawful detainer actions are publicly searchable unless they are resolved within 60 days of the first filing.  

It was technically your fault for not doing this sooner, so no need to "punish" them by going higher than 5%

So I'd leave my lease to no unlawful activity.

You can punish bad behavior all day, but unless you reward good behavior, that dog will NOT learn.