.* No calls accepted to review receipts: I have asked Jenny several times for the last 3+ weeks to get on a call to review the receipts and all of the items that are in the house, I have given her several deadlines to resolve the issue, she has never accepted any of my invitations to join any calls despite me pleading her to do so as my credit card payment is now due and has a 29.99% interest rate if not paid.I have found several people that were also affected with just 2 facebook posts.

Much better than a legal filing or media attention. 

:(If they are unethical, you can file a complaint with the Florida Real Estate Commission: https://www2.myfloridalicense.com/real-estate-commission/complaints/

Once approved the send to QC and the file is sent to closing. 

I also heard horrible stories that if you don't file it right, it will take months to evict a tenant, etc.

If you go with the partnership route1) You need to manage the money going in and out of the business bank account.2) File a partnership return and be responsible for issuing K-1's3) make distributions to you and your partner for cash flow that you receiveYou will likely spend many hours on a nice gesture.I may want to consider instead to give a christmas gift or a bonus for early completion of projects.

Last year I spend $9500 additional in bookkeeping (not including my accountant or tax filing.)

Maricopa County ranked among the counties in the state with the highest number of foreclosure filings.

Assuming this is a clean file, with no exceptions required, most Underwriters take anywhere from 48-72 hours to review a loan and get CTC, or provide further conditions. 

Do you best to not file insurance claims.