I'm planning to call her employer to confirm and find out what day she gets paid.   

Not that I'd do that but just throwing it out there if you had to get it ready for pre-listing pictures.  

I am in the process of getting pre-qualified through Navy Fed.

I joined a real group and was contacted by real estate agent who wants to work with me to buy my first home I'm about to get a pre-approval letter what should I do if I don't have the down payment is there options for me

The VA loan would then be paid off and bring it back to $0.

If im cash flowing $3073 pre tax how can it be consider cash flowing?

Paid rent on time so far.

I don't think the bank is going to raise a ruckus about a loan that's paid fully and on time.

The punch list is long, so I estimate I have paid ahead about $20,000 based upon line items yet to be completed. 

My husband and I paid off our current home's mortgage in 2008, and it's been a great feeling to be completely debt-free.