The difference is that instead of a lender and borrower, the scenario is a vendor that helps schools, churches, and other NPOs fundraise, and an organization: agent refers NPO to agent who is affiliated with vendor, vendor offers referral fee to agent, agent splits referral fee to agent that referred the nonprofit.Is there anything--legally or ethically--that would prevent agents from doing these, or can it be done, without any issues?

I used it for a 30K rehab, cash was fast and the interest rate was reasonable. those are 2 options you could consider (I don't work for or have any affiliation SunTrust bank, simply a happy consumer)

There are many other options with flexible pricing options and affiliate programs (which end up paying for batch skip tracing).

I am working with Zach from RTR as an affiliate and know he puts a lot of emphasis on analyzing exactly those relationships.

It ranges all the way down to affiliates who are really commissioned salespeople and have no responsibility whatsoever. 

I tried selling on Amazon, day trading, affiliate marketing, dog walking, and T-shirt printing just to name a few.

Another vote for the Schlage Encode. 

They will probably either have a QI firm that is affiliated with their national underwriter. 

First, those companies you mentioned are not actually turnkey companies, they are affiliate marketing companies. 

By the way, I am not affiliated with Pacaso.