An investor-friendly lender will help you devise a plan for savings and debt paydown.I'd also begin looking into which areas you'd like to invest in as well as strategies to utilize (i.e. househacking). 

However, looking at some payment processing options like stripe it seems there is close to a 3 percent fee for utilizing the service.

What are your thoughts  on walk-through  bedroom houses  as a  long time rental property  as young investor they are very common  in my area and would make a good  long term  rental by number, What are the pros  and cons .

I currently have two tenants in a unit who pay separate utilities and rent under the same lease.

BTW, a common misconception is that hard money loans are used when borrowers are “short” down payment money.  

The basics are I would rent a number of units from the syndication LLC, would be responsible for management and expenses (ie utilities), and then I would keep a portion of the profit (basically my upside for managing the mid term rental units) and the other portion of the profit would go to the syndication LLC which now gets over market rent.

Vacant lots can go for as little as $5000 - $7500 and are usually between other houses so you at least know utilities should be on or near your site. 

That is actually pretty common, although the law regarding filing the tax exemption has changed in the past couple of years, before you could buy for example a house any day in 2024, but the new tax exemption could not be filed until Jan 1, 2025. 

Hey Nick, yep already said but if you can't qualify based on your wife's income alone then a bank statement program is the most common for business owners when the taxes might not average what they're looking for. 

You will get exceptions on your income at small local credit unions and banks who will utilize your 1099 income over W2 income more loosly, nonetheless it all starts with you completing your taxes.