Basically, you enroll whichever credit or debit cards you buy landlord stuff with in the program, and then anything you buy on those cards shows up when you log in to HD's web site.

You might look into pre-paid legal if you are losing sleep over this.

Even though I had a terminal illness I figured if I pre-paid to live somewhere for a year I’d need to be alive to do that.

She then put a stop payment on her rent debit, filed a frivolous demurrer on the eviction and now has filed bankruptcy even though I’m her only creditor & had no problems paying for two years.

She is on M2M and prepaid the months of May and June before closing so we will honor those 2 months that she is paid for on her old lease rate. 

We have machines that are exclusively smartcard where each resident tops up their card using debit card on website or app, then they use an issued code to add that new balance back to their card using an onsite revalue machine.

Current Loan: 30 year fixed rate @ 4.25% (just closed a refinance in April) -Monthly Payment of $3325 + $900 taxes and insurance = $4225 monthlyCash out Refi: 30 year fixed rate @ 3.875% - Monthly Payment $3375 + $646 taxes and insurance (lower as I'm adding an Escrow account) = $4020 + $4773 in fees + $4715 total prepaids (taxes and insurance).  

Your closing costs will be much higher than this, particularly with prepaid taxes and insurance.

The rest is as follows: * Purchase price - $437,000 * Loan Amount - $421,705 * Loan Amount with Financed FHA Upfront Premium ($7,379) - $429,084 * Down Payment - $15,295Loan AmountInterest RatePrinciple & InterestPrivate Mortgage Insurance (PMI)Monthly Escrows - Taxes & InsuranceTotal Payment (PITI)Closing Costs & Pre-paid Expenses - EstimatedSeller Credit for Upfront PMI / Closing Costs & Pre-paid ExpensesCash to Close - Estimated 1

The deposit is actually a hold on a credit or debit card.