Nor does creating a sale necessarily produce a profit.While the sale price and maybe even market value may be created at the execution of the contract (although if Nicholas is the only one willing to pay a ridiculous price for the property I wonder if he really represents the market), Equity and profit, which Nicholas' and his end buyer seek, isn't necessarily.

The Buyer does not represent the Seller or the Sellers interests.

An agreed value means that the insurance company has agreed that the limit of insurance represents the replacement cost.  

Could I contact an attorney in the state where my account is located and see if they would act as my representative to do the wire transfer on my behalf?

The question pops into my mind if I am duel agent how can one really be representing the best interests of the buyer when they are selling their own property?

The one I initially dealt with insisted that I deal with her "representative" in my negotiations.

They represent you and not the other party.

It might sound like a good idea, but again, it's fraud.When you turn in a mortgage app, you sign it verifying that it represents your financial situation to the best of your knowledge.

The numbers I have used do not represent any skill on my part in finding great deals.

I would think there would be some risk of fraud for the sellers and their agent if they are representing that the lower offer they subbed to the bank is the best one.