Thank you guys. I don't how I would get through this process without all of you.

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Veronica- good to hear from you. How are things.
Carrie - I agree with Renee on the other thread, I think you should call capital one. We were approved....we've had our house for 4 years, but at the time we had 2 car payments and student loan payments, plus all the credit card stuff.
Me - can't sleep. Slept all day yesterday so not a big deal. I'm not sure if it's possible for the PIO to kick in this fast, but I've been waking up every hour to pee!!! Otherwise doing well. Anxiously awaiting the phone call with the fert report. Some pain, but better than last cycle. I don't know if it's because I was prepared this time or if it really does just hurt less? Not complaining either way.
Be well. Will update when I know anything.