I'll just summarize your points:- Tried to get HELOC to pay off CC debt - failed- Made a mistake of paying off mortgage instead of CC debt- I came into some money selling off a property....Anyone reading this would think "she's going to use it to pay off CC debt".  

., can you summarize your EXPECTED expenses ie. if not totaling 50%, then what is your realistic percentages for cap ex, vacancy, insurance, taxes and maintenance?

I enter everything into a spreadsheet to summarize  annually.

Now at this point, I didn't engage with this fool anymore, though I typed up a response that I did not send, that basically summarized our interaction:-You don't have equipment or the license and insurance I noted that I require, with NO exceptions, in the very first sentence of my post for the job.

The list of activities requiring licensure may be summarized and placed in two categories (but remember, this is a summary only and not all inclusive).

To summarize, I currently live in Texas, and could see myself buying property here in the near future, but I will be moving to Oklahoma in about one year.

If she agrees to a date, then type up a kind letter summarizing the conversation and send it to her - just as a memory aid "since we all tend to forget conversations."

No skin in the game, I've just had good experiences with them.Happy to discuss the market from a rental/investor's standpoint if that's of any interest to you, but I can summarize by saying that single family rentals throughout the Sacramento MSA are very hot right now and south Placer county is the hottest of all.  

To summarize the attorney indicated that because I had not sold any property, etc. that my damages were low. 

@Juan Perez first, welcome to BP :-)You can use a lawyer to do that and you can also use self-services such as LegalZoom.com to do that.If you decide to go with the self-service option I'd highly recommend to start with reading a little more about the different legal entities, understand what kind of protection each offer and what is the pros/cons of each and then decide what is right for YOUR situation.A good podcast to listen to about assets protection is show 109: http://www.biggerpockets.com/show109There is also a link to a document prepared by the lawyer to summarize what was discussed in the podcast.Good luck!