I have read forums however would like clarification as I am preparing to begin NACA journey. I have been living with a roommate last 3 years we are not related. I am not required to pay rent formally however I do regularly contribute to the household expenses. I have typically paid her in cash but over the past few months have paid electronically through Cashapp which can be shown and traced from my bank account.The amount I give varies between $500 or $1,000 monthly depending on if I buy groceries or babysit for her that month. In reading the forums it sounds like we should do a written lease with a set amt and/or she would sign a letter verifying the contributions. I should also plan to pay her in equal money orders($1,000) for next 6 months. In addition if the new rent is higher I need to also save the payment shock amt as well. Am I understanding all this correctly? I know there are many factors and timelines with NACA can be very long but im really hoping 3-6 months to closing but I fear this lack of rent will hinder me. I also have an office space ive rented for the past 2 years with great rental record, not sure if it would count since its business not residential. Appreciate any feedback.