I'm 99% sure this is a scam, but I wanted to double-check to see if anyone had heard of this girl. No home city listed, and I can't find anything on the web.

profile and reviews on TER, I would not take the chance unless you think be scammed for $875 is a great deal compared to being scammed for the entire $3500.  Lol

The no TER is a show stopper for me.  On top of that, while she has something of a website, it contains vague information and no phone that I could find.  Google on her email turns up little.  One would think somebody like that would have at least more of a web presence and a clear following.  Too risky and too exp for a chance, even at 875.  Very hot though!

Unless Sarah is moonlighting as Caitlin ...
Pics are STOLEN from Sarah Houchens!
https://www.reddit.com/r/Models/comments/17d6cbu/sarah_houchens/
https://www.femalefirst.co.uk/features/farm-fashion-rise-sarah-houchens-1373942.html
https://healthyceleb.com/sarah-houchens/
https://www.tiktok.com/@itssarahlhouchens
https://www.instagram.com/sarahlhouchens/

I find myself missing alot of gems but I generally wont meet with someone with no review history or no matches on photos or contact info.  The exception is Models from well established agencies

There are 4999 suckers following her. PT Barnam was right. The is a sucker born every minute.

Email or text this person and ask a few questions. If this person does not answer all of your question then that should answer your question.

You aren’t missing anything. Most are scams

Sorry, the "missing out" part made me chuckle. The only part you are missing out on is throwing away your money. This is a thirst trap and the reason they exist is because guys think the person "might" be real, which in 99% of cases they are not. There is very unlikely even a woman on the other end. These people make lots of money from these scams because guys fall for them and then are too embarrassed to tell anyone that they did.  
With AI photos being generated now it is hard to tell even if the photos are real (stolen from a real person, of course) or just computer generated.  
Once again, if it seems too good to be true and you have to stop and ask if the person is real:  
THEY ARE A SCAM. THEY ARE NOT A REAL PROVIDER. MOVE ON.