W2 Job Doesnt help me invest

[Chase London]

Working 3 years at job (with hopes of getting mortgage approval after building credit history and saving. Im looking to get into a 4plex. Got down payment saved. Currently own my home free and clear. Score at 680 and lenders tell me my income isnt high enough to get approved. Job pays $12.20 per hour 32 hours a week. Make money at self employed business (retail store) where I work with my wife as well. Business income didnt help due to reporting losses for tax purposes. Its like i hit a wall. Now how do I secure bank funds to fund deal on 4plex to get me going in apartment rentals. Really looking to get away from w2 job. Feel pointless taking in $700 at business then driving an hour to gig to make maybe $55 after taxes for an 8 hr shift. Any advice from someone who has been here before.