You have a TON of people giving super confident advice on Wholesaling while they have NEVER wholesaled before.People giving advice on SEO when they have NO clue what seo realllly is.Asking about the legalities of wholesaling here, where 80% of the people here hate wholesalers and think they are the devil incarnate I can bet no matter what answer you gt it will be completely useless to you because ultimately you will have to verify what ever you get with an attorney.Sorry this may not be helpful, but this reply could have saved you a ton of legal issues.Find a lawyer .. and ask "it" (because we all know lawyers are not human)

By doing so, it makes the reader understand that they are talking with a real person, humanizes the conversation. 

You cannot follow everything by books, all are human and things happen.

While as humans we want to give her benefit of the doubt, it sounds like there is a lot of tangible events that constantly went wrong. 

Through ypur pm Humanly get her to leave and reason with her this can’t continue on .

I thought by showing them that we clearly were not trying to gouge them that they would be decent humans and just own it. 

Even the $240/yr basic seems absurd.

I think his methodology is as much human nature as it is financial.

It's nice to have a local bank that you can walk into and have human contact and that may help you but it can only take you so far as banks are tied to regulations/underwriting guidelines. 

I would advise to talk to your agent as a human to human and find a solution that would satisfy both of you.