I have gotten conventional financing on 2 flips that were mainly cosmetic with just a few issues but I was able to convince the financial institution to do an escrow holdback for the issues they required fixed.

They had only started moving in the house for 2 days before discovering this. 

@Nathan Cain I'm not very familiar with the software side of what you're asking, but ACH transactions (direct deposit) are a service offered by banks and other financial institutions, they're not really software driven on your end. 

If you Google "Appraisal Institute" it will direct you to a Page, followed by .org!

Another thing that I can tell you is that underwriting guidelines will sometimes vary from institution to institution.

After having a commercial inspector out there we discovered several issues (some expected), so I went back to the seller and asked for a 20k credit, he agreed to a 5k credit.

Or something else that you discover on your own journey toward financial freedom. 

Some good sources to get you started are the FDIC website in your area (look for distressed assets on the balace sheets of commercial and other institutions), and real estate accountants (the ones who do the K1s of your future counterparts).

If the recorded contract / statement of equitable interest was discovered by the title company before the April settlement, they would NEVER have closed the transaction without first obtaining a release. 

Some lenders and lending institutions will not lend to a business entity.