@John Ashley, without knowing the value of the condos, it's hard to offer so much advice.If the $40k represents at least 30% of the value of the 3 condos, you should have enough for a conventional down payment for many lenders that will look at these types of deals. 

If there are multiple offers and negotiations need to happen, her fiduciary responsibility is to her clients...how can she do so if she is representing more than one?

It is literally an agent doing the job that he is required to do by law.When an agent represents a buyer, a highest & best request gives the buyer a chance to improve their offer, which is especially helpful if they're below asking. 

They definitely represent a risk that is too high for me.

The agent said to have him send a POF and have him sign something to have her represent him in sale.

Almost all of our representatives in Upstate NY would not and do not support the progressive agenda with housing. 

Once I get back in the hang of things again, would it be wise to represent myself?)

Hello BP family.I was reading this Urban Institute Report(below) on ADUs which shows that MD county approved 177 ADUs between 2013 and 2018 which represents (0.12% of housing units). 

Unless you have a single agent, they are representing ONLY the transaction.

The lender also had a problem with the ADU having a separate house #, which is what the addressing department with the city of San Diego auto-assigns -- they wanted an "a"/"b" or "1/2" etc, not two separate numbers...not sure if that's a problem with Fannie Mae though.The did say to try credit unions since not all of them will sell the mortgage to Fannie Mae.We did think about trying to petition the city to switch the primary and ADU, but the two problems with that is a) There's almost a zero chance the city would get that done fast enough before rate lock expires and b) I worry that while it may be easy to switch the designation now, it may not be so easy down the line -- and if I ever want to remodel the first (original) house, i'll be limited to the 1,200 sq ft limit on ADU's if I can't get them changed back.I think the laws/guidelines just need to catch up with the current explosion of ADU's (at least in California)... so I did what I could, which was write to the federal representatives for my area...Obviously won't help my case now, but may be able to get things updated if enough of us speak up.