Hi @Clarisa De Luna The journey will be hard, but with enough hard work and motivation you should be able to over come all things.

That's great that you have over come all of the challenges that you have faced and ready to get back into the game! 

I'm admittedly fairly risk-adverse in the first place, and between our ages and personal circumstances, what to do next is a challenge.

He has enough cashflow in his business, but too many deductions which brings his taxable income to a very low number.He has quite a bit of cash reserves, and the credit score in 750+ range with no adverse events on his history.Can anyone recommend a lender for his case?

I admit it, I'm a lazy guy at heart and have to work hard to overcome this inclination regularly kicking myself in the pants. 

Any creative ways to overcome September slump?  

. ^^)Simple practices such as visualization and meditation became a regular part of daily routines.Anyways, overcoming my fears and embracing a new mindset was key in helping me to begin networking with others here on BiggerPockets which has lead directly or indirectly to all of my real estate successes!

This might given you the time to overcome the hurdles to obtain a conventional 30 year loan.

When sourcing notes, how do investors account for adverse selection?

In most states after a certain period you can claim ownership thought "Adverse Possession" Keep in mind it takes 20 years in MD so it may not be a very practical option.