@Steve Vaughan meant to tag you earlier on this above.

Eventually I started to understand topics and know what certain real estate jargon meant.

Sorry for the rant guys, I meant to say a contractor that excepts credit cards, such as Wells Fargo or any home project credit card.

I have seen these before but did not understand what it meant. 

I meant I have student loans, car loan, and credit card loans to payoff, so I will not have the other half. 

It wasn't originally meant to be a rental, we lived there for a few years.

However, the lists can only be sold when they’re meant to be used to “make firm offers of credit or insurance.”

Tenants don't live in houses the way you might live in a house; one of the things you get paid for is the wear and tear people do on your property (assuming you've factored that into your rent); trying to collect extra funds on top of this is going to make your life harder than you will want it to be.I say this here not to embarrass you or as an a-hole, though it's OK if you think of it (or me) that way - it is meant to be cautionary to future people who might read these posts.

What is meant by only "Operating" expenses  (I have been writing the formula that way for years now.. 

I (assumed I) knew exactly what you meant when you used "Transaction Engineer."