This charge was never disclosed to me before I found it on my statement and I believe it was applied by billing in error to my account but PM just keeps going in circles about it without it ever getting resolved.- Small sum of money which disappeared from my statement between one month to another. 

That's functionally a bloated single family cost applied to each unit!

However, Oregon has the safe harbor rule, which means they can apply for rental assistance and not get evicted for non-payment for 60 days.

Whoever told you that was confused about a TX law that applies to your primary residence, not an investment property. 

If you really are serious you can do it all on your own and keep everything but that requires planning and pretty much starting your own business in which all basic rules apply knowledge, capital, etc.

I just wasn't sure if the same rules applied if both parties are non agents or if this was a rule just for licensed realtors in Texas. 

So, the 45 day rule to apply the proceeds to another Primary residence will not apply, here.

I may be wrong, but I'm pretty confident this is the case.I suggest just applying the full $200K toward your down payment. $200K is 20% of a $1M home; how far away are you from qualifying for an $800K loan?

Why apply to an apartment when you already know it's not in the area you want?

Also my statement only applies if the person has an experienced buyers agent.