You'll probably take home 25K after escrows, prepaids and other closing costs. 

Mail, registered or certified, return receipt requested, postage prepaid, or if deposited with any commercial air courier or express service. 12.

.-9 Month Lease with option for month-to-month-2x Security Deposit-3 Months pre-paid rent-Payment letter of guarantee from ALE-$800 premium paid monthly for accepting terms.

Ex-husband is the guarantor of the lease.In some states accepting pre-paid rent is not permitted.

Be sure to check your actual closing costs (not the prepaids / escrows). 

You need to separate out the "escrows / prepaids" and your actual "costs." 

So, we can lend up to 156,750 as that is 75% of 209k.  150k was the purchase price plus 6750 of closing costs and pre-paids into the loan.   

I do want to talk to a LOCAL attorney about this because i've used pre-paid legal shield and they couldn't even give me a straight answer!!

As well as maybe a prepaid expense account, for example you may pay an insurance in full and then need to amortize over the month it covers.

You need 2 business accounts, one operating account and one escrow account.Deposits are not your money, pre-paid rent should be recognized as received on a cash basis with it being a liability until the rent is realized.