WARNING: SPOILERS AHEAD! In the new issue of Life & Style, an insider reveals that Bachelorette Rachel Lindsay took the fantasy suite overnight dates in a surprising new direction.

By the time fantasy suite dates roll around, most Bachelorettes had a clear front-runner, but not Rachel. As much as she liked her final three guys, Eric Bigger, 29, Bryan Abasolo, 37, and Peter Kraus, 31, Rachel hadn’t fallen in love with any of them — and she worried she might be the first Bachelorette to leave the show single.

MORE: Who Does Rachel Lindsay Pick on ‘The Bachelorette’? Find out Which Guy Got Her Final Rose!

“She only had a few more days to figure out who to accept a proposal from,” an insider tells Life & Style exclusively, “and her heart was divided in so many different places.” So Rachel, 32, saw the fantasy suite dates in Spain as her desperate last chance to get to know the guys and make up her mind.

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“Rachel said, ‘I need to get down to the serious stuff in the fantasy suites,’” the insider says. “And that’s exactly what she did.” And in case you were wondering, she does give her room key to all three contestants.

“She spent the night with all three of them,” reveals the insider, who says Rachel used that time not only for intimacy but for extremely practical matters — including asking them about their credit scores! “She also asked them, ‘How much do you make?’” says the insider. “She asked about religion, whether they’d move to LA, where she wants to live. She asked whether they wanted kids and how many, and if they wanted to send them to public or private schools.”

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In the fairy-tale world of The Bachelorette, grown-up conversations like that are a rarity. But Rachel’s fantasy suite nights weren’t all talk. She called one of her dates “amazing,” says the insider, and another “passionate.” Her date with one guy, though, “felt more like a really good friend,” and she opted to send him home. As she moved into her final two dates, an emotional Rachel found herself smitten with both men.

“It was an agonizing decision,” says a source. “In the end, it was one of the toughest decisions a Bachelorette has ever had to make. She decided to go with her heart and hopes she made the right choice.”

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For more on The Bachelorette, pick up the latest issue of Life & Style magazine, on newsstands now!