I'm still in the process of finding an alternative solution but I thought I'd leave this here as a warning for others looking to make a decision.For reference, I'll just post their email response to me here:As we review your inquiry, we would like to remind you of the following key points from our Terms of Use:In no instance shall ShinePay be liable for any of the following:"Lost revenue from service interruptions.Lost revenue stemming from delays, malfunctions of any product.unauthorized gains access to your account or due to shared passwords or if your password is hacked.Destruction to properly, places, or personal injury resulting from the installation, misinstalling, or misuse of any product.Lost revenue from entering the wrong account number for ACH or other bank transfer or money transfers or due to any delay in receiving funds.Damage to your structure, machines or car resulting from use or installation of our products.Any funds collected that are paid to a person that does not own the property.Any harm from defeating the lock and technology that controls the lock to a device.Failure to properly service any product or machine."

Personally, I would pay off the higher rate first. 

We are now feeling stuck, already pretty far in motion with an expensive build out and also considering how pushing it will effect the relationship with the landlord.  

Hey @Cameron MarroPersonal Loan or Line of Credit: If you have decent credit, a personal loan or line of credit could give you access to the cash you need for renovations without using your property as collateral.

That is a great post, and I'd love to follow up and see how things went for my own personal knowledge. 

It’s the easiest way to get a feel for being a landlord without the stress of managing rehab projects.

Sellers can feel your energy—let them see your passion for finding the best solution for their situation.Have Empathy: Selling a home can be emotional.

Please feel free to message me and I can give you rate quotes. 

I also have a personal relationship with my contractor so got a massive price break. 

I'm currently with an investment brokerage but my end goal is to be an investor and feel the big shoes my parents are leaving me with!