In other words, after-tax contributions are not treated as employee deferrals or employer contributions (subject to IRC 402 & 404 limits) but are subject to the ACP test.

Had to put out sticky traps and treat outside.

I can't for the life of me figure out what form you do that on.Both Publication 527 and 535 say it needs to be treated as an OID, which makes absolutely no sense to me. 

You'll have to ask the lender how they would treat the balloon, they might not take the debt into your ratios if the balloon was 2 or 3 years out.

I’m an adult and should be treated as such.

The upside of doing your own labor, you could even treat yourself to better quality of flooring so if you choose.

However, you must treat the deals you get that way just like any other deal.

I could then get a person in here with the intent to purchase my home which would incline them to treat this house like their own.

According to your agreement with him, he is a tenant and I would treat it like if any other tenant "living in the property" asked to be taken off their lease.

Luckily, using Kilz on it to seal it can fix it (same with wood); you might also treat with a urine remover product (spray on, let soak in and dry).Downside - an extra day for painting and letting it dry, before putting in new carpet.