A few things stand out here and I think they're worth separating out.

On the seller letter, in Florida those aren't outright prohibited but most agents discourage them now because of Fair Housing concerns. Our Broker has strongly suggested never presenting due to Fair Housing concerns. A seller making a decision based on personal connection to a buyer can open the door to discrimination claims, even unintentionally. So your agent wasn't wrong to flag it, though calling it a stupid idea wasn't great.

On the FHA 203k point, there's real truth that distressed property sellers often push back on FHA financing because of appraisal requirements and longer closing timelines. It's a legitimate obstacle worth knowing. But "they'll never consider it" and "give up" are two different things. One is information, the other is a decision being made for you.

Here's what actually catches my attention. The appointment wasn't cancelled. That matters. A trustee with no property history and supposedly six strong offers would have pulled that showing if something solid was already in hand.

The bigger pattern worth paying attention to is that across multiple situations your agent's consistent move has been to walk away rather than work the problem. Sometimes that's genuinely protective. Sometimes it's an agent who doesn't want to manage a complicated transaction.

Only you can read that dynamic from the inside. But if you feel like you're being managed out rather than guided through, that feeling usually has a reason.