Those banks will indeed charge the payer's account upfront.Some banks will actually print a check with the payer's  routing and account number, and the account will not get charged until the check is deposited.On the original issue.

The Fine PrintListen my little mere mortals, here is the fine print.1) This is just an EXAMPLE of how I would approach it after a bit of research and then test the page.

There is also a shortage of contractors, materials, and construction management which is escalating new build costs in this area.I think a mass produced 3d printed and multifamily community could help put a dent in the shortage.

Now consider MY answer and see for yourself if my answer makes more logical sense.How about you send them a clean crisp white printed letter with your company logo on the top, and you say something like thisDear Mister Brilliant,My name is Monkey Butt and I am the owner of MSOOTKAUG is Sexy and Buys houses LLC.I am an investor and house flipper and after doing a bit of analysis on your home, I would love to see if you may be willing to sell your house to me.We offer cash and eliminate all the hassles of a traditional sale.

Believe reasonable offer can be listed and fine print allowing legal protections. 

We also allow you to print or email your reports for FREE.Thanks,

Secondly, I was overlooking the contract which is a 20 year lease and in fine print most of them say they can raise the rates 4% annually for the 20 year lease which absolutely scared me since in some cases, you could end up owing them money.

I want assurance, we won't experience any surprises because of some small print somewhere. 

Read the fine print and find an investor friendly insurance agent/broker. 

Might get better input if you print out what you expect to do, provide a link for review before you spill the beans publically. :) Good night.....