I know it happens but it was still really hard to accept it.

We have also put in another offer a small single family and it has been accepted. 

Let me explain why.Agents work on behalf of sellers and wholesalers do not.A wholesaler decides the final selling price and whether or not to accept offers.

Over the last 2 months, finally the most recent buyers financing fell thru and my offer was accepted!  

Option A is the only acceptable scenario.

In other words, they are required to work against you when it comes to price and terms.Yes, there are no doubt unethical agents who will screw the seller by accepting a lower offer so they get paid on both sides, but most of us (and I think it's the overwhelming majority of us) aren't about to risk fines, lawsuits or loss of license for an extra commission.

If the borrower has a DTI of 35% with all rental properties excluded, but a DTI of 43% with rental properties included, is this generally still an acceptable scenario?

Today my offer was accepted.

He only accepts cash, no website or credit cards.  

Sorry I don't accept partial payments.