It's important to consult with a tax professional who can advise on how these strategies align with your overall financial situation, especially considering your full-time employment and income structure.Moreover, as your portfolio grows, and particularly if one spouse can transition away from W2 employment, the landscape of your income and tax liabilities shifts.

So far I have check TransUnion smartmove which only does based on self reported income, but I am looking for verification from the employer itself.. 

Determining whether the venture falls under a service or rental business hinges on the provision of substantial services; for instance, if a bed and breakfast service is offered, it must be reported on Schedule C, triggering a 15.3% self-employment tax.Moreover, personal use plays a crucial role in the classification of the property.

Determining whether the venture falls under a service or rental business hinges on the provision of substantial services; for instance, if a bed and breakfast service is offered, it must be reported on Schedule C, triggering a 15.3% self-employment tax.Moreover, personal use plays a crucial role in the classification of the property.

Census data - median household income, employment stats, bachelors degree percentages, crime, vacancy rates, appreciation2.

In Charlotte, neighborhoods like Plaza Midwood, NoDa, and South End offer excellent opportunities for house hacking due to their popularity among renters and proximity to amenities and employment centers.

If you are self-employed or cannot qualify conventional, you can use non-QM programs. 

I work with many business owners/self-employed individuals and often help them bring down their DTI enough to qualify, however, I also specialize in DSCR loans so feel free to reach out so we can evaluate which route is best for your investment goals. 

Look into setting an S-corp to potentially reduce self-employment taxes and Section 199A qualified business income deduction

Their setup does not ideally support frequent transactions in and out of your account, especially if you're looking to employ the infinite banking strategy.