In the future, don't accept any less than $500 Earnest Money (preferably more), and do not execute the contract until it is delivered to the title company or closing attorney. 

They accepted me immediately.

If that happened in Cali, title would not accept the deed as valid. 

@Justin HallOnce you find a lender to accept that it's 4 units and okay to go conventional, you may have difficulty finding other similar properties.  4 unit properties may be scarce enough, but finding 4 units that are 4 separate dwellings on the same parcel may be too much for the underwriter. 

We're pretty quickly turning into Brazil, and not just because 'diversity is our strength' but also in the overall acceptance of wealth inequality. 

She also told me that they only work with contractors that accept net-30 payment terms.

Getting a flat fee is generally fine (bird-dogging fee) but you may want to consult a RE attorney about accepting a percentage of sale.

I've had several inquiries when collecting application fees if I accept venmo or cash app which I do not. 

Are there any red flags or any I should look for before accepting the loan?

@Ashley Cao I like “people over profits”If you take the time to find folks motivation,you can offer solutions in both acquiring properties and selling as well.I just recently helped a woman get out of a failing house on the brink of foreclosure ,renovated and sold to a woman hoping to move her mother in,so she could care for her.We heard from her agent that she cried happy tears after we accepted her offer over list price.