I need the program to be able to take different payment each month and that will allow me to enter taxes and insurance and charge interest on those as well as the balance. At this time we are charging only a late fee but would like an option to be able to charge interest on late payments in the future as we also start with land. I need to be able to print the renter out a paper showing their balances. I have installed Microsoft office home and student 2010 on a desk top windows 7. Please be advised that I\'m not an expert with computers.