I will also have a hard time refinancing, because I am 1099 self-employed (full-time musician).

They also did a credit check, checked my employment, and contacted my referrals as part of their vetting process

Spain is in very bad shape economically right now with extremely high youth employment and occasional riots.

Twin Falls CountyAverage Purchase Price: $360,000Average Rental Price (3-bed home): $1,600/monthKey Highlights:Twin Falls city is known for its agricultural base and growing commercial sector.New businesses and developments attracting residents.Affordable housing market with room for growth.Investment TipsResearch Local Markets: Understand local trends, employment opportunities, and population growth to identify the best neighborhoods within these counties.Property Types: Consider what type of property (single-family homes, apartments, etc.) would yield the best returns.Rental Market: Evaluate the rental market dynamics to ensure consistent demand for rental properties.Long-Term Trends: Look for counties with long-term economic and population growth to ensure sustained property value appreciation.Investing in these Idaho counties offers a blend of affordability, growth potential, and rental demand, making them attractive options for real estate investors.For more information about Kootenai county please reach out.

I've already earned about 100k in just a few years of maxing with my employers 5% match.

After that, apply for an Employer Identification Number (EIN) from the IRS.

Just the process of looking at credit reports and applications, calling references, talking to people and verifying employment/income will make you a better landlord/screener for future vacancies.  

He is also self-employed but has been too "aggressive" with expenses and shown little profit (I know, I know, but can't undo that now.)Three mortgage brokers have told him there is NO WAY he'll be able to get a mortgage.

It's a matter of survival of the fittest in the industry, with good agents staying and others seeking alternative employment.

It's a long-term strategy to basically make $1 do the job of $2--you get life insurance (not tied to your employment) AND you can still use those same dollars towards RE investing.