In case of a lawsuit, that will be the most important document that will break or strengthen your position.

Buyers have leverage right now, gives us a break since the past few years have been nuts

I think that point also can get lost in the discussion of who "deserves" a break, fairness, etc.Would it be "fair" for me to ask a bond holder to forgive my debt since I am having such a hard time? 

Sring Break or CoronaVirus ?

--https://www.latimes.com/business/story/2020-03-08/oil-price-war-Oklahoma shale producers break even at $21 to $48 per barrel (i would think its closer to $40 in Oklahoma) -https://oilprice.com/Energy/Energy-General/Why-The-Oklahoma-Shale-Boom-Isnt-Taking-Off.html-Oklahomas state budget is made counting on oil selling for $54 per barrel it is currently at $31 per barrel and dropping - https://kfor.com/news/local/dark-clouds-could-be-on-states-horizon-as-oil-prices-drop-to-30-year-low/-While oklahoma's economy is very diverse it will be hit if prices do not rebound in the near future - https://oklahoman.com/article/5627150/state-chamber-provides-new-analysis-on-oil-gas-industrys-impact-on-oklahomas-economy-and-tax-revenues-Oil and Gas would fall under mining and make up 22% of the GDP for oklahoma see page 11 - https://www.ok.gov/oesc/documents/lmiEconIndPub.pdfThe Good The Bad and The Ugly -Good - oil and gas prices may come up if Russia gives in on this play. 

You do not want to break chain of control and stop your title policy. 

How did you break down the monthly expenses so nicely?

I dont know what state you're in, but in Maryland this guy would be breaking all kinds of laws.

We were able to keep the original home, put it into an LLC and now rent it to my mother in law at a “break even” rate for the past two years ($1,800 per month).

And did they break it down by billable hours by chance?