The Rehab:During the first stages of the rehab we were living at the old place, and I was working on the new place every night after work 5-10pm, then 12+ hours on Sunday.

This sounds like a close family matter that isn't really about the best business decision. 

Lenders want to stay in a conservative underwriting box especially for low interest rates so they can stand up to an audit by the OCC as making sound loans on the market.   

Welcome Dallas, your plan sounds good and I can't recommend enough that you go through the Ultimate Beginner's guide at https://www.biggerpockets.com/real-estate-investin...You probably know it's a great starting point, combined of course with the BP forums and the experienced and helpful folks in here.Best of luck!

It may sound trivial, but going through basic exercises and putting pen to paper can really put all sorts of things into perspective.  

I've tried nearly a half dozen other systems and MileIQ has made me BACK thousands of dollars.I have not tried TAxBot but that sounds pretty cool too.  

I was proposing Thursday from 7:00pm, how does that sound?

I hate to sound mistrusting, but it is going to be difficult enough to get this situation taken care of without adding to the tax debt by owing these additional fees.

It sounds like you would like to get some money by getting a second mortgage on the house? 

As far as who's going to pay, it sounds like you will either have AC if you pay, or won't if you don't.