Under no circumstances should you be paying a true private lender any unspecified upfront fees.

Unfortunately this does little to help the low inventory issue, but it certainly increases property values.  

Yes unfortunately I would have to stop working once I start in May.

As soon as they followed up with realtor we disclosed and unfortunately many prospective buyers declined to pursue any further

Hey Brandon,Unfortunately getting loans from banks and PMLs is difficult when you don't have an income.

unfortunately that is a common problem.

Many times people file police reports as theft and/or fraud for very similar circumstances.

Unfortunately, I doubt you will be that lucky. 

The only restrictions with an FHA loan, is that you can only have one active FHA loan at a time (technically you could have 2 FHA loans if the properties are 100 miles apart, under certain circumstances).

Appraisers vary greatly and unfortunately there is no uniform clear guidelines on how issues can or should be addressed based on loan type and there is no repercussion for appraisers not submitting reports within their timelines to keep the buyer out of breach of contract.