(Also I'll note, Venmo, Zelle, etc. do not req this).  

This is the max it seems most "A" lenders will loan too, I might get 50% from a credit union but that still probably not help in the short term.How do people keep going?

Your taxes are none of the ex wife's business and this would seem to address your concerns.I would also put her on notice that future requests for financial discovery will be two-way and if a discrepancy is seen in the other direction you will seek support from her.

Quote from @Melissa Sejour: I am new to the real estate investing space and was wondering how do you go about researching the best areas to purchase properties?

I am looking to partner with a close friend of mine (we've worked together many times before with both of us in various roles) to primarily do rehabs for LTR and/or resale.

Can't wait to do another one!

What do you think? 

Thought about refinancing at the time, but didn't do it before rates exploded.

When I do it at 20% down, I can only find negative cashflow, so I could be looking in the wrong spot, or I need to put more down, or I am missing something all together.I have read that making a 8% return or higher is what to look for, and I can find break even.

For those who have more experience investing - what would you recommend I do here?