I hope you appreciate the irony of you asking if anyone has TOFTT when in your 18 months here you've given fuck all and all you've done is take. Somebody has to TOFTT but I guess not you.
FWIW there's absolutely no way I'd invite her to my home (to be fair I would never do a home outcall anyway). All the flags you've raised and, quite frankly, I don't like the look of her hands. Look masculine or much older than 29. If I really had the horn for her, it would be a 15 min incall to test the water.
I look forward to your review.