In the OP here, the tenant seems to be asking for the land contract; to me that's an indicator that the tenant can't / won't bank qualify.

It really depends on how you do it.The OP was simply stating which deduction.If he bought those DIY coffee and have the donuts in advance in the office, it's office expense.

The difference is my properties are co-ops which are a huge pain to get mortgages on compared to normal property.

My first post was intended merely to add another data point to answer the question posed by the OP.

The OP specifically stated this tenant is female, so I stuck with that pronoun.

OP we do self storage. 1.  

hold on a sec, it seems what you described is a co-op ; co-op and condo HOA is different ; the unit is still belong to us permanently.

:)For the OP, we don't lend on subto because we don't want to go in 2nd behind a loan that wouldn't be in the borrower's name in the case of a wrap.

@Theresa HarrisThe OP’s issue is no studs where brackets are.

In fact OP you may have spoken to me 3 months ago (I wouldn't remember), and I would have told you in advance about how this sort of thing can happen, so you "shop around," find someone else offering exactly what I offered, from the exact same very small pool of lenders, identical rates/fees (+/- rate movement over time), they don't include all the caveats/warnings that I did, so you think it's more reliable or whatever, fast forward 2 months, and boom here you are making this thread (incidentally, this means my "incentive" is to just drop all the warnings and caveats, and then act all surprised when exactly what happened to you happens, like I didn't know it was a possibility from the get-go).