With insurance rates going up, best to find areas with the lowest operating cost.

In fact NJ has one of the lowest eviction rates in the country and the area I handle has the second highest rents in the country after NYC so it is a great area to invest in.

If you have some capital, income, and decent credit, buy a 4-5 bedroom house and rent bedrooms. 

Im self employed, roughly make $130k gross anually, 1099 NEC , no debt at all, 740 credit score. 

It's likely a scam anytime they sound like AI or the grammar is weird or they use the word "kindly", if they ask for you to respond to them off-platform, if they say their employer will pay for it, if they ask if the dates they've specified are still open (when they can clearly see they are open on your calendar), if they ask for a video of your property (they probably want to set up a duplicate listing with your photos and video and scam others out of money), or if they want a long term booking and they have just joined the platform and have no reviews (could have been evicted from somewhere else, and hope a newbie will let them in with no background check, they'll end up not paying or credit card is bad).  

We only require a soft credit check as well. 

This is the max it seems most "A" lenders will loan too, I might get 50% from a credit union but that still probably not help in the short term.How do people keep going?

They don't ask for any documents just do a credit check and you fill out their application.

However, there's a loss on the 2023 Tax Returns, and Net Income is $45,000 in 2022 (Client has lots of writeoffs) What loans could I use that only consider:- Bank Statements - 1099s - Credit Score Please contact me with options.

You may need some help with capital, or credit, or both.