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.

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. 

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

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.

I do not think that is a good idea. you paid Income Tax and FICA based on $20.5K on schedule C, your net income probably only left $15K (15.3% self-Employee tax + 10%+ Income tax), and you can only contribute 20% of your net income as "Employee" to 401K, that is only $3000. even you can contribute another 20% as "Employer" contribution to 401K, then you need to maintain 2 separate 401K accounts. 

If you are seeking to go back to work, perhaps you're originally employer would take you back as a dispatcher or some other in the building type job until you are recovered enough to get back into your cdl truck job.

Guys I read a couple great posts here about HELOC for self employed businesses were there are many write offs to show an income on a tax return.  

I read that it was possible to create a PM company under an LLC and pay myself to manage the properties but then I would be subject to 15% Self Employment taxes.

If you were 30 days late they started eviction right away, if you paid up it would reset the clock until you were again 30 days behind.I got a note in the mail to say that this was my last chance and if I was late again when I renewed I would be MTM and that meant that I would have resign the lease or initial it every month,rent was $100 more for MTM leases, and if I was late while I was MTM it would not be renewed.Luckily I got that letter at the same time I got permanent employment with a huge IT Services company.Having permanent employment instead of working for a few months getting laid off and working again for a couple months fixed the money issue.You might want to do the same sort of thing.Raise the rent, make sure they know the rent is being raised because they cannot pay on time, and if they are late again, they will be kicked out even if they pay up.