My retirement system doesn't allow for me to roll anything over given that I'm still employed with the company and also under 59.5 years old.

This is very much in contrast to Texas where it is not fixed and regularly between 3% and 4%.  

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

;however, my issue is that I dont have good credit and since im self employed I make.very little income. 

Non-QM I can do things like bank statement, self-employed, ITIN, Jumbo, blah blah blah.

I am seeking an experienced tax advisor (preferably licensed in CA) with strong expertise in US and German tax law, particularly in real estate investments, mixed income (W-2 & self-employment), and international taxation matters. 

At this stage, the main thing we need is for me to get back into the workforce and get some money coming in, in order to achieve that dream.With that in mind, my immediate goal is to gain employment in the field of property management, as opposed to wasting my time working in another field that is not associated with real estate.

When evaluating markets for rental properties, there are a lot of factors to consider: population growth, employment rates, rent to price ratio/GRM/Cap Rate, rent trends, vacancy rates, etc. 

For house flipping, consider an LLC taxed as an S-Corp to reduce self-employment taxes by taking a reasonable salary and the rest as distributions.

Make sure you talk to a Banker or Loan officer that is well versed in both SE (Self Employed) income and also Non/QM programs.One tip I will give you as a Banker is open up a "Business Checking account" and for the next 12 months pay "Everything" out of that account.