I see that you've run plenty of online advertising, but nothing has worked out for you so far.

He somehow found me online at another real estate investing network site from what he told me.

For the last 6 months I've been self employed with my online company.I finally have some real money and I really, REALLY want to finally pull the god damn trigger.I have no friends with real estate and seems like anyone ive approached locally doesn't want their territory stepped on, only interested in selling their (cash flowing at least) flip. 

Can anyone point me to a spreadsheet that allows for multiple irregular payment dates, and applies the correct amount to P&I. 

My whole online training and coaching business is about helping aspiring Real Estate Entrepreneurs get unstuck, out of neutral, and past GO. 

For Newspaper select Daily Commerce.In the date range select From.

Make sure your insurance is up to date and revel in the "rent for empty property"Not legal advice just the ramblings of some dolt on the internet!

So I read it and the date he put on there was the closing date and it had 2016 not 2018.

Try searching on Meetup online as well. 

IMO if you chose #1 now you can always choose options #2 or #4 six months(maybe a year) down the road, pull all your 60K back out plus what ever appreciation you have(if any) and move forward. to me in option #3 you said paying interest bothers you and option 1 solves that problem, gives you practice with a new tenant so if they don't pay or u have problems you don't have 2 bills( your old mortgage and your new mortgage) to manage along with the stress(of kicking out your friend and finding a new tenant) just the one mortgage that your fiance already has within his budget(because your 60K didnt' factor into bank financing so you found a home to move to that was within his budget alone(even more safety net) or at least lower mortgage payment and house than if you had 60K to use to buy-down another home. but i digress....Option #1 is less stress , less interest payments,and less of your money with 2 options left over at a later date. like joe said your 60K is safely locked away in the home(minus depreciation) which you can always pull out later on when you are more risk-prove.Still your choice but that my point of view.Good luck!