Is it possible for me to still get one of these loans without the 2 years of employment history?

We had a CTC 2 months ago and the lender said my wife’s final employment verification didn’t go through at the last minute.

Do you now have a W-2 employment or private people who have made a commitment to you?  

I am considering employing the BRRRR strategy and am a bit concerned about DTI when it comes time to refi.

The more I look into it, I'm not sure which version of QuickBooks would be best, online vs desktop, Self Employed vs Simple Start, etc. 

A robust farmer's market, a new artists district, several new niche employers building down on Exchange St, a micro micro brewery, a proposed $400M expansion of the Historic District to the south of 25th St, and a huge mixed-use development in the works in East Central where the old Rite Aid was.Sounds great, but it's still planet Ogden. 

So I have about $19k stuck in a 401(k) account with a former employer.

@Mike McCarthy Even though I downloaded office for $10 through my employer, I have been playing around with Google. 

And talk about predatory, points on my sale price, not good.As to originations, there are many RMLOs out there who think they are compliant in doing seller financing, actually not from several fronts, their employer/broker must have such loans in their charter, insured and bonded lenders aren't covered with equity funded notes, and if they do any volume they may have loan concentration issues of high cost mortgages, this goes much deeper than what our newish loan originator testing goes to that they learn and it doesn't even go into underwriting!  

BE ADVISED:  States have different regulations on this, but you become an employer and must meet all State Employment regs,  withholding, workman's comp.