When I received the Construction Agreement they want me to sign, none of this is included.

Quote from @Adam Jones: Hello Bigger Pockets world,I am new here but been investing in RE for a few years now. 

We signed a lease-to-own contract for 60 months.

If the guidelines are clear before they sign the dotted line, there is a mutual respect, and a good vetting process is performed I think I can minimize tragedy.

I've always gotten a signed "authorization to release loan info" from the owner on record. 

If not, this is a sign to be doing that.

And it was a pain because guests kept signing out to use their own.So we just cancelled all services and we state on the listing that guests need to provide their logins for apps.I know we'll have issues with older guests.

I signed up for a 7 day free trial to try out the tools, but I forgot to cancel on time.

Does she have to sign the payment agreement for it to be enforceable?

U know when the settlement statement comes in there maybe 1 point but 5k in junk fee's that are disclosed until basically the day of signing as they are not legally bound to disclose all their fee's up front like a NMLS state licensed owner occ loan.