Although you have this as a monthly expense, similar to car insurance, or cell phone bills, items like that, that do not appear on your credit report (with some exceptions), will not be included.  

You've joined a great resource for whichever type of investing you are looking to do.  

Following her threats I had my cell phone out taking pics and video during our interactions (and let her know it).  

Good Luck with moving forward whichever direction you decide to go!  

That's the issue -- if the contract included a clause that whichever party had to pay $100 per day to the other party for any extensions, they would have closed by now.

I'm using a cell phone that's killing me to key into.

I am a photographer by trade, but also work remotely for a cell phone company and take care of my 6 month old daughter!

From real estate, to cell phone towers, to ATM machines, etc.

But if they are seeking to hold a property for any length of time and want their cash investment back there are some important rules to understand with conventional loan:If you buy a property with cash (or with a HELOC) you can receive a cash out loan on Day 1.There is not a 6 month waiting period with receiving a cash out loan if you purchased a home with cash or with a HELOCBUT you will be limited to the amount of….Your purchase price + closing costs (costs when you purchased the home)OR75% of the “After Repair Value”…WHICHEVER IS THE LOWER AMOUNT (super important)These rules are important to understand so here are two examples:Example 1: If you purchased a home with $50k of cash, and put $30k of renovations into the loan, and the home was worth $100k. 75% is $75k and $50k is your purchase price.

Which ever you choose if it's profit you are looking for figure out which gets you the most.