I think having foreign pay stubs and the fact that I own property here with a mortgage made them decide it's too much of a headache.  

Thanks, it all sounds good as long as I can avoid paying hefty taxes and generate cash flow.

We pay Lightning Docs a $500 annual fee and $500 per loan, which we charge to our borrowers at closing.

The flipper pays 12.5% interest to the lender, and I receive 10% of that.

Or they have it figured out and are going to cure via paying or modification etc etc. 

You could also get a line of credit for about $150k (you should be able to borrow 75% of the value.)The reason I suggest this is…1) you save $40-$60k in selling costs. 2) you have a lower blended interest rate (2/3rds at 3.25% and 1/3rd at 7 or 8% instead of the whole $500k at 7 or 8%) saving you another $1k/mo in interest. 3) you only pay interest on that $150k when you actually use it, not from day 1  Unless you hate this property, or want to buy something you can’t afford without selling, that would be my plan.

After being in the corporate sales world for about 10 years, I realized that I do not want to return.

Did the proceeds from the sale count as short term or long term capital gains?

The key is that in order to completely defer all tax you must purchase at least as much as your net sale. 

Their "Titanium Service" does NOT mean anything, other than they would ask you to pay $10K to sign up for it.