She has some stock (maybe 50k), some retirement IRA of around 100k which I believe she has started to take and then maybe 20k in her savings account.

As noted, if your options are Reg D, private offering vs fully registered public offering, even if you are talking Pink Sheet (OTC) stocks, you have public filing costs, annual audit requirements, and likely more on-going expenses that have to be covered by the property(s) owned by the offering.  

You need a repair partner who can get out immediately and has quick access to replacement parts (if not already in stock). 

It could cause a low spot where things slow down and then it all compounds until there is a clog.

Within 1-2 months, you'll learn how to spot a good investment with a napkin and crayon.

The rate might be .5% higher for the 30 year, but looking at it financially what if you took that $187/mo and invested it into the stock market at 7-9% returns? 

HOWEVER; if you aren't going to use your full last name, then it's important to upload a pic to your profile (which you have) The reason being, when someone has a common name, with an initial and you are trying to @mention them, if you have a list of 5 David R's with the stock icon, it's impossible to know which is the correct one. 

In part because the sink is under the window which to me seems like a natural spot for it. 

You are in the right spot.

The best investors can spot opportunities quickly because they know the landscape inside and out.