It seems half of my total closing costs were prepaid items, i.e. prepaid taxes, prepaid homeowners association for 1 year, prepaid interest.Including all of these prepaid items decreases the gross yield if I include them. 

It acts like a checking/savings account with debit card/check and wire transfer capability.

Most pay by auto debit, but those that pay with cash go to our bank and deposit in a sweep account.  

Have you considered enrolling in a pre-paid legal service?

If it isn't, I would Fedex a copy to her, with a prepaid return Fedex label to make it as easy as possible for her to do it and get it back to you. 

And, just like any normal homeowner's policy, the prepaid premiums are refundable when the policy is canceled.

Also, as others have mentioned, the only way for you to access those pre-paid funds is either by re-leveraging yourself via refinancing or selling of the asset, which then requires you to invest in a new asset to generate some form of return. 

.$10,059.86 for closing costs and prepaids ?!

I use an app called Toshl to track my daily expenses though to keep my cash and debit transactions handy.

BTW Jay,..debit is at 10% of FMV.