Par loans sales will tend to have upfront points on the closing statement which is how that lender will earn money for originating with an intent to sell.  

One I fondly remember was - after putting out post-it notes on doors in a the Phoenix market (using a contractor) - we got a call from a woman that was SCREAMING at us (voicemail) and saying that she now felt that we were stalking her, maybe watching her, wanting her house when she had NO INTENTION of selling it and, now she felt she could no longer stay there, she had called the police to report us, etc.  

He had to stop doing that because the intent was for our office to return the favor and bring him business.Now if an agent wanted to charge a fee for service other than a commission, it would have to be approved and paid to the broker and then paid (or split) to the agent.  

You didn't quite state what the intentions of the gift was for...

Is it typical for commercial property owners to discuss the financials after viewing and receiving a letter of intent? 

That's a breath of fresh air in America today!

You mention "rewards" but also "interest rate", so I'm just curious what is your intent is in opening a new card? 

Lying to them (or withholding something like this, which is essentially the same thing) will erode their trust in you and will eventually blow up.I would recommend that you let your parents know what your intentions are.  

I just checked items off the list and was able to breath again.

My recommendation would be to detail out the reject --  such as: - Applicants with felonies of malicious intent in the past 5 years = Rejected - Applicants with felonies of malicious intent over 5 years prior = Reviewed (may affect overall applicant "scoring") - Applicants with felonies of non-malicious intent in past 5 years = Reviewed (may affect overall applicant "scoring") - Applicants with felonies of non-malicious intent over 5 years prior = No impact - Sex Offenders = Reviewed (may affect overall applicant "scoring")I would recommend having criteria in writing on how you review those marked "Reviewed" and this can vary from company, as long as it is consistent for all applicants.