They sent the $6300 cleanup invoice on May 12 (3 days after the end of their service).

Seeing her heartache and I could not do a dang thing to help financially because I had been personally irresponsible with my own money.

Dang I feel for ya sounds rough! 

@Michael Dang Thank you for the word FOCUS.

A firm fixed price contract only requires an invoice.

I heard everything is bigger in Texas but dang!

Pretty interesting, though it'll take a ton of time to customize the chart of accounts the way I'd need them.Looks like it integrates with Salesforce, but only invoices (through Breadwinner), right?

Dang $1K just selling leads got to get into that.

While this can certainly be true Kim (debt to income can degrade) some key points I'd like to point out to people who might be considering conventional financing and getting loans :- you can use rental income with no landlord experience - Fannie Mae (Freddie Mac requires min 2 years on tax returns or CPA letter to state 2 years exp but most CPA's will not write that letter for you to protect their license)- you can add back depreciation and other non cash losses like depletion or amortization as these items are accounting losses and lenders are concerned with the "actual," cash flow that you will have available to service their loan they are thinking about extending to you- you can add back capital expenses as well if you can document it (make sure to save all receipts and invoices =D) since this tends to occur with investors the first year that complete many capital upgrades. since these are not normal occurrences every year they may be added back to improve your income if the file is structured correctly.- If a buyer buy's property that is still positive after the formula (gross monthly rent X 75% - PITIA) then you will actually improve your debt to income not hurt it contrary to what most think.

Dang!