The tax return you have should have a 'carry-over' schedule providing details as to what is carried forward to the next year, whether it be an NOL or a capital loss carryforward.As Michael mentioned above, there is no carrybacks at the moment.

This is where most projects go south....If you and your Contractor are not on the same exact page regarding what you are expecting to receive and they are expected to provide, then you are doomed to fail.

I would always try local banks first but if you are looking to not worry about debt to income and providing tax returns or W2s then DSCR would be your route on the refinance side.

The reality is the opposite - if it's not in writing then the PMC doesn't have to provide the service or can charge extra for it!

. $3,900,000 with 25% cash down, that I would provide without any other investors. 

Quote from @Chris Williams: For the people who use buyer's agents to find their cash buyers to dispo wholesale deals are there any tips that you would provide for me? 

@Brad Herb Investing in a syndication via a Self-Directed IRA (SDIRA) offers tax advantages but comes with fees and limitations:Advantages:Tax Benefits: Gains grow tax-deferred (Traditional SDIRA) or tax-free (Roth SDIRA).Avoid Penalties: Keeps funds in the IRA, avoiding early withdrawal penalties.Diversification: Adds real estate syndications to your retirement portfolio.Disadvantages:Fees: Setup, custodian, and administrative fees can reduce returns.UBIT: If the syndication uses debt, income may be subject to Unrelated Business Income Tax (UBIT).Complexity: Strict rules; all income/expenses must flow through the SDIRA.Illiquidity: Syndications are long-term, locking up funds.Use an SDIRA if the investment is significant and the UBIT impact is minimal, especially with a Roth SDIRA for tax-free growth.Remember that RE, outside of retirement accounts, provides the biggest tax benefits.This post does not create a CPA-Client relationship.

When you engage with a new vendor, have it be a standard procedure that this worksheet or packet be filled out with documents provided before you will engage their services.

They also don't quite provide the protection that you might be hoping for.  

Multi-family units are particularly good for this, providing consistent rental income and reducing vacancy risks.