@Skyler Shively, as mentioned, it is a tough niche to find a lender for. 

retiring on cash flow is a pretty tough thing to do for most folks full stop.to me to do that its highly dependent on your location and price points.And how much capital you have to start with and or your day job to allow you to scale.

San Jose/Santa Clara will be tough market because of the price points.

Can they prove how long it takes to rent a vacant property?

It's still a sellers market so it's tough to get concessions as a buyer right now.Are you trying to house hack or is this just an investment?

You can then prove your income not get double taxed on passthrough income.

If you don't want to have roommates it's getting tough, for most of my investors who are looking for heavier cash flows I've been recommending doing furnished rentals (short or mid term), looking at higher cash flow commercial deals like NNN or other cash flow focused syndications/funds, or investing in a debt position if cash flow is the biggest goal. 

You're in a tough spot, but here’s what you can do:IRS Payment Plan: Set up a payment plan with the IRS to spread out the $200K tax bill.

I don't have anything to prove here.

I handled this by building a network of trusted professionals and always having backup options in case someone couldn’t deliver on time.Striking the right balance between quality work and sticking to the budget is tough.