As a relatively new active self employed real estate investor, I have purchased both sides of a town home about 5 years ago. 

How do i present my loan request to a lender to get the refinance based on rental income, employment income and credit only, and Not solely on the value of the property?

It seems that I can't go the conventional loan route under my personal name because I have no W2 income since I was self employed for the last 10 years and I have been transitioning out of those business endeavors for the last 2 years therefore I have no real income to show.

If you have been self employed for ten years and able to show taxes and income coming into your accounts banks will work with you.

Quit my W-2 gig in August 2015 and just have to mark time until my self employment income has 2 years of solid, respectable profits. 

There is a factory being built within a half mile to a mile, which should employ about 300 people, and the site is expecting to employ double that in the coming years, so I expect that should help. 

I think it is perfectly fine for a basic tax return; however, anyone with self employment or any kind of complication should avoid it unless they have technical knowledge.

along with too much inventory and rampant speculators who were trying to flipI had clients that bought 4 plexs in PHX only to find them 100% vacant in 09 to 2010 they bought them in 04 ish for 350k each.. by the time the bottom hit those units were vacant 100% like I said and trading at 80k.Same with Vegas.. the tenants left.my point Is Memphis is already a renter city and there is little to no new construction compared to the west and the south.. so the tenant base is already working in a myriad of occupations.I guess if Fed Ex up and left and some of the bigger employers but it seems stable for now.

Assuming you're an employee and not self employed they'll ask for your last 2/3 payslips and your latest P60 tax form to show how much you earned last year.By law in Ireland, first time buyers need to have a 10% deposit saved for a house (example for a €200,000 house you need €20,000 saved and would take a mortgage on €180,000).

The estimated value once completed for the duplexes will be in the 450k range with the provided land from the LLC.The LLC has no credit and all shareholders in the LLC are self-employed.