He also taught me we are independent contractors we are not employees and we do not have to put up with rude behavior etc.Engelo you would not know it but I was a lot like you in my younger years when it came to rude and disrespectful clients. 

I have a 710 credit score so that is no issue at all but it is just the proof of income not being a w2 employee that can get tricky.

But I will be starting a new job as a federal employee at Scott AFB, in Southern Illinois, just 25 minutes east of St.

My Mom is having an issues with an employee she recently fired, that she is suspecting wrote a bunch of negative reviews on her google account(no actual proof).

Mistakes in a Solo 401k (have to be self employed and no w2 employees other than spouse) can usually be fixed.  

Quote from @Dave Foster: @Engelo Rumora, Argy Bargy..??? 

Throughout the process, Holistic employees were responsive, communicative, and transparent.

This rental property will be designed with a keen focus on generating a healthy cash flow.Project Blueprint:Budget: Allocated at $200,000, covering construction and all related expenses.Focus: To merge energy efficiency, durability, and tenant comfort with cost-effective construction strategies, making the rentals both affordable and sustainable.Location: Currently scouting – I'm open to suggestions and insights on ideal locations supporting this vision.Strategic Planning:Efficient Design & Planning: I'm considering compact, multi-functional layouts to optimize space usage and incorporate cost-saving construction methods without compromising quality.Sustainability & Efficiency: The plan includes investing in top-notch insulation, air sealing, energy-efficient systems, and sustainable materials to reduce the building's carbon footprint and operational costs.Budget Management & Cost-Saving Initiatives: Careful budgeting and exploring value engineering options are crucial, alongside seeking out grants or incentives for energy-efficient building projects.Community & Sustainability Goals: To create shared amenities to foster a community feel and implement systems encouraging tenants to monitor and reduce their energy consumption.Seeking Community Insights on:Cost-Effective Building Strategies: How can I ensure the project remains within budget while achieving high sustainability and efficiency standards?

@Dave Foster awesome to hear.

As I add more properties for myself, I'll either keep doing it (hire employee) or find someone at a much lower %.