Full disclosure, I'm not any sort of equities investment expert. 

Did you check on the closing disclosure, there may have been money held back by the title company to pay for the property taxes.

I.E. bed bug disclosure, lead paint pamplet, etc.

Michael,Full disclosure: I am a Realtor and not THE Accountant.All I know is, years ago, I took a BATH in Random Length Lumber Futures...I was short and the price spiked, right through my stop-loss.

This is our first time doing this and after reviewing the refinance mortgage paperwork there is a page for the commercial purpose disclosure stating whether or not this money will be used for future commercial or business purpose.

Full disclosure; I haven't taken Ken's course, but I do watch his youtube vids as well as Graham and Kevin's...tons of good info. 

The disclosure is a bunch of legalese and seems totally unnecessary until I find a contract I actually want to buy from them -- is this normal? 

its not hard to comply  you just need the license and NMLS registration then do your mortgage call report.. there are a few simple disclosure docs necessary to make your files pass your state exam.But again I would contact the agency spell out what you intend to do and then go from there.. 

Although I'm not a lawyer so all of that "full disclosure" stuff applies and yes, you should probably talk to an attorney.

Chances are most of those agents don't know each other, may never have met, don't work together, etc--but they do work under the same brokerage license, so in many ways maybe not all that different than when there are two different brokerages involved.You might also read through the Information About Brokerages Disclosure which outlines in intermediary what we can't do.