Could they seller finance me? 

So far this summer the market has been hot for sellers with the prices on the uptick. 

My only motivation to put down more was to get out of paying MIP - but apparently even if you put down 10% you will still have to pay MIP for 11 years on an FHA 203(k) loan.

If you are not an agent good luck trying to represent a seller with a listed property. 

Seller's market for MLS deals, not a buyers. 

Like when a seller won't sell low enough for a wholesale, won't sell with owner financing and just wants to cash out.

The way listing a home typically works: - Seller Broker signs a listing agreement with Seller. - Seller agrees to pay 6% commission to Seller Broker. - Seller Broker places the home on the MLS and offers Buyer Brokers half of the commission (3%) for finding Buyer. 

While under contract, 2 of the 4 units went vacant without notice from seller.  

Do you have any recommendations on an agency that would sponsor me on the licensee knowing that I'm not going to be actively working as a buyers/seller's agent other than on a limited part-time basis?

I'm a retired Navy Officer and Iraq Vet looking for advice on which local CNY banks are the most motivated to work with somewhat blemished financial backgrounds.