@Chad VerdeInvestment strategies can be employed to achieve financial goals, such as house hacking, BRRRR, short-term rentals, real estate syndications, property development, long-term wealth-building, flipping, and debt paydown.

The woman's income covers the bills, and the employer's reference for the man adds credibility.

You file for eviction and they employ multiple delay tactics that extend your court case 3-6 months without batting an eye, all while not paying rent.

These strategies reduce living expenses, offer easier financing options, and are ideal for college towns, urban centers, or large employers.

Once you have steady employment, look for a place where STRs are allowed, with an in-law suite. 

These self employed 2nd mtg's are typically based on alternative method of caluclation like profit and loss statements if you're self employed or the last 12 months of bank statement deposits using a formula to derive an income from these deposits (like 50% of all annual rolling 12 calendar month deposits X 50% /12 months = monthly income).

You can still pay for a service to do backgournd/credit checks and employment/rental verifications.Some states/cities have their own rules, so you need to know what your local rules are also.

My property is in a depressed area walking distance to the largest employer in the area which is a shipyard. 

A Solo 401k which is exempt from UBIT on leveraged real estate may be a better option if you have legitimate self employment activity. 

I have little over 100k in an IRA from previous employer.