Very good Maddie. There were some errors:

She unpacked the items in the tote she kept expressly for these afternoons, pulling out the scarves Jack liked to use to bind her wrists, over-the-door restraints, her favorite rabbit vibrator, and a small flogger.

After afternoons you should have a ; instead of a comma.

He'd told her early in the week to play with herself daily, for fifteen minutes, and not to let herself come.

Now this isn't an actual grammatical problem, but this sentence is a bit akward. To many hers for my taste. Perhaps something like:

He'd told her early in the week to masturbate for fifteen minutes a day without coming.

then told her to lay down, on her stomach.

Should be lie instead of lay

he traced a finger down her body, then attached the ankle cuffs.

Should be a capital H.

"I'm sorry, I didn't know anybody else was showing the house now. We'll get out of your way," the woman said.

After sorry you should have a ; instead of a comma.

No spelling errors though which is great for a rough draft. And I liked the story to boot. I would now like you to write another story, but this time use whatever tools you have to correct it and submit it when you think it is ready.