That was with a debit/credit card attached to my checking.Last week, I had three mysterious debit transaction attempts hit my card.

E&O insurance is typically provided to you by your broker, usually a fee per closed transaction, $50 or so.

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Also in dual agency you you would be representing two sides of a transaction.

Is the fact that the property shows signs of being used as a three family prior along with adequate parking (I hope) a good leg to stand on?

You can search for CASH transactions via FMLS and contact the owners 4.

I stumbled upon BP, signed up, and have been studying the wealth of information contained here since then.  

So you want to get pre qualed before you start.. you want to make sure you have Capacity as @Bryan Otteson states you may have to pay the short term loan off in cash if you can't refi or you may need to add a significant amount of cash to the transaction to meet a much lower LTV that a lender may be looking for if appraisal comes in light or terms change..

For example, I signed up for a new program and it took them 2 months to get anything to me (after I contacted them twice to remind them).

My wife and I were working with a realtor who found the deal, but it was her first transaction and totally botched the whole thing, won't go in to details but at the end of the day she didn't want anything to do with it but still wanted her commission.