Patrick, what kind of strategy are you employing right now?

i mean, granted the credit bureau isn't technically a 'government agency' but then again neither is the employer that obviously has their SS# on their paycheck which applicant blotted out.and besides, every sane person knows credit bureaus already have most everyone's SS# on file.. don't they??

my current employer (a huge PM firm) uses appfolio which is great but their onboarding fees PLUS minimum monthly fees are too high for my private portfolio.are there any cheaper alternatives to appfolio?

Every lender I've talked to so far wants 2 years worth of employment history to even consider me.

Well, you can play catch up in real estate by employing multiple strategies at the same time.  

According to that chapter, an “outright gift of the cash investment is acceptable if the donor is” one of the following: The borrower’s relative / family memberThe borrower’s employer or labor unionA close friend who has a “clearly defined and documented interest” in the borrowerAn approved charity organizationA public entity or government agency that offers assistance to (A) first-time home buyers or (B) families with low to moderate incomeThis just handles the down payment funds.

By way of disclosure, I am not employed, paid, nor compensated by MassVenture or its affiliates in any way, I just think it's a great idea.

Also I have self employment income and 2013 income wasn't high because that was my first year as a realtor and 2014 was 70k but because they take the average I would have to wait until next year to qualify conventionally

You'll realize how easy it is to save that (assuming you are steadily employed) when you live frugally.

And you just created an employeer / employee relationship .