I also knew that type of buyer needed a different way of reaching them, so I called the realtor who represented me on my four plex purchase and offered him 3% commission to bring me a buyer.

Your agent's request logically binds you - the agent's principal as he/she had actual and apparent authority to represent you in this transaction. 

Get a power of attorney and fax it to Shellpoint and add yourself as a 3rd party representative (and yes, I said fax it - most lenders are still archaic that way). 

You have to be able to determine what the home is worth and make the terms you think would best represent your offer.

But these days, the assets representing the most value in my area don't qualify for that sweet 30 yr Fannie/Freddie money. 

This is covered in Maryland District Court Rule 3-131... an entity has to be represented by counsel....

My guess would be that AirBNB raises what they're pricing at tomorrow to $75 or $80, and by the time it hits the market where an average person can buy it's pushing $120-$140.And fundamentally even though that would represent an insane market cap, let's note that DASH hit $80bn market cap today. 

That doesn’t mean trouble necessarily and quite opposite could represent a good opportunity.

A senior living facility represents a greater risk right now for the lender because of the pandemic.

When I use Zillow and the assistant or realtor asks me If they can represent me as a buyer.