When you use the second solution mentioned above, does that work similarly to "recording a payment" from the invoice itself?  So let's say I have an invoice that's $7,000 for a job.  I require 1/2 upfront, 1/2 upon completion.  I can make the whole invoice, then go into the customer and input the $3500 credit as you described.  To my understanding, I would then go and record a bank deposit for that $3500 for whichever day I deposit the amount into my bank. Then when the remainder is paid, I could record the other $3500 payment as usual under the invoice, and again record a bank deposit for the appropriate day so that my bank records will match and I won't end up with double the income showing when I try to reconcile my account.