But I do know what it looks like when someone is about to be separated from a lot of hard earned money of theirs... and YOU potentially look like THAT person.  

I don't plan on leveraging my dad at this point since we wont qualify for an fha loan if he is on the contract, so I heard.

Using our whole-tailing approach, we secured the property under contract and pre-listed it to attract buyers.

Personal excel sheet?

If you can refinance and just pay off debts you can take out a personal loan after the refinance up to $50K.

This will damage her credit and make it hard for her to rent from others in the future.Never "trust" tenants - stick to the terms of the lease, keep it professional and explain to them that the lease is a legal contract.

No signing expensive leases that you personally guarantee typically. 

As that will at least help folks that you reach out to know that you are a real person, with a picture and professional bio.

If I understand your question correctly, the answer is that it can't be done once the contract is executed and the transaction closed.

We secured the property under contract for $93,000 and sold it for $122,500.