2) Can De Minimus Safe Harbor result in a  net operating loss? 

Some seem to think people will tamper with them, if they are not individually packed, like you would get at a fast-food restaurant.Thanks in advance,Aaron

However, I'm determined to find a way forward.I'm particularly interested in real estate investment opportunities, but without access to credit, I'm at a bit of a loss.

.- 2022 and 2023 Federal Tax returns with all schedules included- business and personal (if filed separately)- January 2024-current Profit/Loss, Balance sheet, debt schedule (template attached here- or can use your own profit/ loss template)- 30 days most recent paystubs and ’22 ’23 W2s if you receive pay checks.- Most recent 2 months of bank statements outside of CBNA- Most recent retirement/ investment/ life insurance statement, if applicable.Is this an insane amount of paper? 

It’s got great bones and potential but I’m just at a loss as to how to move forward. 

Food for thought!

Excess business losses are capped for single individuals at $250,000 and for married individuals at $500,000, with any surplus being suspended and carried forward.

For this year, I currently have about $131k in short-term capital losses outside of real estate. 

Therefore, my monthly payment has now gone up by $1,000 which doesn't make sense to rent out anymore, as it will be at a significant cash flow loss.

There may be some quick periods of no cash flow, but that should be made up at the end of the rehab... meaning make up for the loss of cash flow used for the rehab + regular cash flow, not back to neutral cash flow.