Of course a merchant account offers more consumer protection, so it is a catch 22.Zelle uses ACH to transfer funds, but verifies funds before sending.

If you catch them in ANY lies, they are out. 

State laws are slightly better here now than OR but they will catch up.

They end up with less cash from the house up front, but unless they are in significant debt for other things they may prefer to stay in their home, and have a rent free period to catch up and look elsewhere.- Then charge month to month at a mortgage rate to encourage them to make other plans if they haven't already.

This is the short answer why this year Venmo, et al has a $600 limit now (granted, the congressional testimony is so that Feds can catch rich people).All this being said, I think any cpa/accountant will have you file a 1099. 

Keep in mind when selling, a home inspection is going to catch this and buyers will want a price that reflects this. 

I also realized that there were a few other errors that I did catch during the process. 

Take your time, and if something really catches your attention, research it, and then put your time and energy into that.

Builders have stopped taking reservations from new buyers to try and catch up and they are having a hard time getting materials to finish homes because of supply chain issues. 

We also made clear to him that he needed to catch up IN MARCH for March, and be on time after that, or he would be evicted.