I don't think that hair splitting over 'included' vs 'complementary' would change this in jurisdictions with similar laws.

Well I bought into "Mark Whittens: Flip houses like your hairs on fire" and through the course he explained a loophole to assigning Bank Owned REO's which is to get the property under contract in your LlLC's name and assign your LLC to your end buyer.

You can split hairs with princ/interest if you want, but the big deal here is recognizing the risk of these debts and planning to eliminate them!

I understanding getting the contract it's everything that follows is a scary pulling your hair out time.

Hopefully I can get this through the entitlement process and avoid as many hair balls as possible.

I know this may be splitting hairs, but changing the wording a little can make a difference.

Some advice I could give you, read as much as you can about real estate and talk with investors with gray hair!

I know in N=1 terms, because years ago when my personal reported debt balance fell to a hair under $2M my score improved by about 30 points. 

I calculated what it was worth based on average price per square foot, than gave it a 10% hair cut because it's the largest house in the neighborhood and the mathematical result would have priced the house out of the neighborhood.

I am combing BP for more data that i need for my answer.