Let us be logical abpout this. 

So the 1st month's rent is in before the first payment is due, and I'm already over over the interest-to-principal hump. 

Hey @Samson Kay, I agree with what @Joel Owens is saying - don't forget when you're turning a building around you'll have a significant dip in income in the first year and it's incredibly important to have a significant amount of money in reserve up front (don't depend on what cash flow looks like on paper) to get over that hump.

I've bought a mouse, speakers and case for phone, USB cord for computer and the like.

She lives local to the property I purchased and it was a good fit for both of us. Being

I can almost guarantee us being in the new home by mid-November at the latest.  

This works out for us b/c then it is easier for us to end the contract with them if something doesn't go well. 

If you had a decent income two years ago and combine that with the obvious evidence that you can generate income from real estate (which you did), you'll be over the hump with the income question.Using your own home as collateral, most lenders won't flinch if you're asking to borrow only 50% of your home's value.

$8,500.00-Permit -Inspection -Labor -Materials -Balance -Wire Apartment to code 15-4 inch color change LED2-Pendant lights 1-LED Bath Fan -Cat 6 Ethernet run -30 amp electric stove -Heated Bath floor (floor heat supplied by other)2-USB outlets 3-Dimmers -Outlets to code/ outlets or switches on brick wall to be in EMT conduit -Tv outlet -Smoke detector -1 wall accent lighting (fixture provided by other )Hallway-6 - 4inch color change LED-Hallway outlet -Hallway switch -Hang chandelier (provided by other)-Add remote switch for chandelier

While I am pooping, humping, eating, sleeping, I get leads on autopilot.