There are laws against outside parties interfering with contracts.

The seller offers a split for the buyers agent who come alongside, when the sale is escrowed each party takes their fee.

I agree with having an exit clause drawn up and allowing the buy out from either party. 

If that wasn't done and the split is an amicable one, then presumably a buy out is negotiated among the participants which can be structured as the parties see fit.

Do you mean the audit part?  I

We are still under 3rd party financing contingency, collection seems to be strong (according to broker) and we are getting a new roof, and some credits. 

I get an idea of what is on record thru county recorder website and 3rd party vendors like Black Knight or Datatree. 

As jamie just noted I did a webinar yesterday on this topic on showing investors how advantageous a partial can be for all parties involved. 

I found out later that the seller had a lot of heat from the city for renting the property to 10 grad school students who liked to party.

You can try a value dispute to support your offer, and maybe the lender will come down in value and you can come to a middle ground for both sides to accept your offer OR, you have to back and let the listing agent do their job and get a buyer in who will pay what the bank wants.Get your license and get a referral fee if you brought the parties together.