Is it standard now for banks to require a listing agreement as part of their short-sale package?
Not sure if it’s standard, but have heard about more lenders asking for it. Ideally you have a realtor license or can partner with someone who does.
Some lenders ask for it, some don’t. Usually not a big deal to find a realtor who will do a listing agreement for, say, 1% of the deal (or at least a much reduced commission) if owner finds a buyer, especially in today’s market.