It is a commitment from the investor that within the 90-day time window of property rehab & refinance, the investor won't go and buy 3 Lamborghini's and co-sign on 10 cell phones (thus damaging their FICO) and will be able to refinance out of Blue Moon's hard money loan.

Keep in mind when using a "no money down" technique, you are still paying, just in other ways like with your time, effort, blood, sweat, first born...I know a bunch of guys that are doing a lot of deals, and most of them are not really killing it.  

I rarely use my trucks built in navigation system.I thought I’d add my IPad Pro with cell phone data plan.

Could perhaps be interpreted as being mortgage fraud.This is definitely mortgage fraud.For self employed people, you need to deduct your normal and necessary business expenses.Where you have a little bit of wiggle room is in the personal expenses that you can choose to make business expenses such as Home Office, Mileage on a personal vehicle or the portion of your cell phone or internet bill that you allocate to business. 

The more blood and sweat he has in it, the easier you'll get him on board with you :) Best of luck!

I also use my cell phone if in the rare instance the camera dies.

My lease offers an Early Termination Fee (ETF) something like cell phone contracts.

Don't laugh but beside your name it says donor...of blood???  

The second image is too small to see what's going on but if rows and/or columns were added to a spreadsheet with fixed cell references it could affect the output.

I am gathering that she has your cell number & feels like she can call you whenever she feels like B*tching about something?