Did your tenant file federal accommodation paperwork before she moved in? 

Quote from @Reuben Federer: Hello all, I have recently decided to begin note investing and I am looking for a way to fast track my knowledge on how to do it, so I can begin my career in it.

The way you describe your situation, I'm going to say you fall into the 22% tax rate bracket (single over $47k, or married over $94k in taxable income).  

I'm being quoted a 7.75% cash out refi rate at Houston Federal Credit Union right now.

Third Federal and PenFed are known for being good.

I am a California attorney who contemplated bringing a Federal case against these Defendants for what occurred below. 

Ok on to a new topic…Government has Taken a Permanent Intellectual VacationThis week, the Federal Government announced rules to block medical debt from credit reports, ie being used to evaluate a borrower’s financial fitness for mortgages, car loans, aka, easier to get more debt.

Pps  you do get to subtract the selling costs (in you example maybe $30k in commissions and closing costs) from your taxable profit.

(Minus the small percent of the payments they’ve made that’s been considered capital gains.)My understanding is the 60 payments they make will be split up in to interest (regular taxes), capital gains (15% usually), and principle pay down (non-taxable.).

If you don't plan to work anymore, you may want to consider the rule of 55.The distributions from the retirement account will be taxable in one way or another(now or later).You want to plan it in a way so the overall tax burden is less.