I think if you step back and look at this you'll realize her entitled personality is driving your irritation more than the payment dates.If she had called you, apologized, explained a loss of income and proposed this plan would you have agreed to those payments? 

There's nothing on my city website and people are getting irritated how early in the morning it's being done (waking people up obviously)....

That was about the time I decided I did not want to be an agent anymore.A week before close they sent an e-mail telling my client the down payments had doubled and the interest rates were all higher.By the way, at six figures I can get a little irritated. 

The first 8,000 times, it was fine, now it's just irritating! 

Further, it irritates the title company and the lawyer who drafter the documents.

It is very irritating when I or one of my staff members have to request that the tenant pay rent in escrow in court before she may obtain a continuance for a trial, but the judges don't know that that is required...  

The regulations make it irritating sometimes, and you have to check to be sure you're in compliance because they watch you like hawks here, but nobody is going to put the kibosh on it any time soon, considering it'd collapse the county's economy if they eliminated STRs.

I suggest talking with a lender to make sure you understand everything that's involved.Secondly, if your wife is against this from the start, chances are she will be miserable and blame every little that goes wrong or irritates her on YOU! 

I've said things I shouldn't, gotten upset over longstanding irritations, and basically wasted hours that I could have, should have been using to do more productive things.

Even if you get few published decisions on "piercing the corporate veil" and other such matters--way before it gets to that point in litigation the plaintiffs lawyers understand they do not have a good argument for piercing so they waive the argument so they do not irritate the judge, or settle the case on other grounds with a mere gesture at going for personal liability if the settlement does not work.