If we did the deal and I now have a mortgage on this investment property, will I pay a late penalty if I pay it more than $15$ days late? If I pay it $29$ days after it's due, will that go into my credit file? $2$ part question

$$ Yes I pay a penalty, and yes it goes into my credit file

No I do not pay a penalty because it is not $30$ days late, and no it will not go in my credit file

Yes I will pay a penalty, and no it will not go in my credit file

No I do not pay a penalty, and it does not go in my credit file