Honestly, I don't know why you lot are wasting your time thinking up possibilities "oh she's the Rani" "definitely a female Master"
Although it's good to speculate, Missy is clearly a brand new character. It would be a new low to bring up a character that's had their story done with. The "my boyfriend" business is something we'll find out in the finale, I think - Moffat's point by that was to make us go "ooh, why is she saying that?" not "ooh, the Rani".