If she sells the property before that date, she would not qualify for the full exclusion unless she meets certain exceptions such as unforeseen circumstances like job loss, health issues, or other qualifying reasons outlined in IRS Publication 523.Regarding prorating the exclusion, unfortunately, there's no provision in the tax code for prorating the exclusion based on partial years of ownership or residence.

If not, then perhaps consider renting for a full year.

Hope it can become my full time job as I’m done with excel lol. 

The internet is full of information, and knowledge. 

I closed on 2 Class C homes in 2023  that were supposed to be move in ready and full inspections were done.  

On the flip side if they are not using all of your income, overtime, bonuses they could have you approved for less and not offering full approved financing.

I'm doing all I can while working full time and raising two very busy teens with sports, etc

And at the end of the day, I would assume these are the types of investors you want to ultimately service, since they are more likely to be actual buyers and not just dreamers.

I'd love to put you in contact with these people and start marketing your services to them, I have done this maybe 40 times now with my current lenders and i typically just add my payment into the HUD and the borrower pays it, this service wouldn't cost you anything.

(Ours only allows payments in full - they can't bypass late fees).As to delivering notices of NP, we send certified letters.