Long story short it cost me a deal plus more money (Besides the sign up fee (5k not 4k) plus the monthly cost of 160 to 180 for the "subscription" as well as the EM, Termite reports etc. and not only caused issue with the seller and their realtor but mine as well.

Long overdue little things and not so little things.

There are much better lenders out there with better rates, and terms. 

Approach sellers who might be open to owner financing – especially in a small town where personal connections and negotiations can go a long way.Short-Term Rentals (STR): Given the touristy nature of your area, an STR could yield higher returns than a long-term rental (LTR).

Add a "Long Term Stay Policy", so a long-term guest would need to cancel a month ahead.  

This effort led to a successful sale on 12/03/2018 for $199,900, demonstrating the effectiveness of our renovation and marketing strategies, resulting in a substantial profit.

How come no one has created a standard form for hard money lending where the terms are easily comparable across them?

Seller financing allows you to negotiate terms directly with the seller, which might include a lower down payment.

Why do you think purchase contracts are so long and have such small print?

Added new terms and conditions?