Is this something you normally charge for or is this considered more normal wear and tear?

And while the normal course is for folks to grow actively and then transition over to passive investments, there's nothing wrong with going the other direction and starting with more passive investments that are opportunistically located geographically.  

[Because unless/until she does open up to being comfortable borrowing, it means she's NOT interested in "BIGGER pockets", so can't really be helped from this website].After all, if she had bought an equivalent Duplex YEARS ago to the one she can't now seem to find a Lender for (ie. if she had created credit like "normal" people and borrowed between 75% and 96.5% instead of worrying about obtaining six figure savings first), it would likely have been a lot cheaper then (so maybe could have been paid off by now anyway - or, excess income could ALREADY have been invested).

Normally no

So I was a little too understanding translating the time line into contractor time, which is 2x longer than normal people time.The owner of X, had mentioned they'd be done around Christmas.

If investing out of your normal area make sure you figure in those extra taxes.

Until then (and unless you have an Early Lease Termination clause) she continues to owe this amount until her lease would normally expire. 

I pay my landlords a premium and they have none of the worries or troubles normally associated with traditional leasing.  

I have a crew of 4 guys working, that are being paid hourly, and I would like to hear peoples thoughts on the types of insurance they have, or recommend, and also how did you structure your workers (1099 vs employee) everything I read says it is very difficult for a 1099 employee to hold up in court if they work normal hours, and use your tools.All information is appreciated!

Its been my experience that most contractors aren't fun to deal with under normal circumstances, but if they even suspect they will get shorted, you're almost guaranteed that they'll stop work immediately and you will face this exact same situation again.