With hard money loans (fix & flip loans) you don't need to be employed or show taxes and you would get say 80% of the purchase price + 100% of the rehab money to fix the property up.

Another factor that could create the amount owed is if your employer is not withholding enough in taxes and it was not caught until tax season.

I think you're 100% correct, that being said since Dodd Frank debt is not a tool for the self employed pr very small businesses.

I am self employed , Uber driver.

Look at employers in the area - you want some diversity of employment so that if 1 company closes you don't lose a bunch of the population2.

You are aware of the local communities, employment marketplaces, and prospective growth regions.Equity Building: In a market like San Diego where real estate values have traditionally increased, house hacking may be a potent means of accumulating equity.Long-Term Considerations: House hacking locally could fit into your lifestyle if you intend to live in San Diego long-term and have family concerns.You might also explore a hybrid approach – investing locally in a house hack while allocating some capital to out-of-state investments for diversification.Remember to consult with real estate professionals, conduct due diligence, and possibly network with investors in both local and out-of-state markets.

Commission is earned, "active" income subject to self employment tax. 

After you familiarize yourself with these, you'll be able to decide whether or not you want to employ a CPA at first, but if you do you'll certainly know how to speak their language.  

Could you share which analytical tools you employ and might suggest?

Local Trends: Watch for changes in the area like major employment shifts and construction projects.Ghost Ads: Post fake ads before purchasing a community and gauge your activity.