Make a holding company. Lol go to a bank and tell a guy with a fancy suit you need a meeting about setting up a merchant or traders account.
When he asks what your trading make sure you take a picture of his face when you say "crypto" then say you think bitcoin is going $100,000 thus year and you need to make haste with getting the home into a mortgage settlement lol
But seriously make a holdings account. Then you can hold money for people, charge them a fee if they cancel after sending you a downpayment or better yet state that you DO NOT REFUND.