My wife continued to be the administrator of record with the state as we added homes to our portfolio and she would assign the house manager as the administrator designee for the home. 

Looking to help people in my community build wealth and continue to learn more about investments myself!

@Anna NickensDeciding between investing in mentorship or self-education for real estate investing depends on your goals, budget, and learning style.

Didn't get into rentals on pupose but it's working out well and I want to continue to learn and develop my portfoilo.

It will likely still continue being a difficulty.You mentioned bills, are they credit card bills?

Talk to a CPA to see how each scenario plays out.A 401K continues to grow in value, but what do you live on? 

The goal of the first 3 deals will be to target 1-4unit styled homes, requiring minor-rehab.

Start small with manageable deals, educate yourself continuously, and build a strong network and team to support your growth.

Realistically you would expect the house to continue to appreciate during that time as well... even if at 3.33% appreciation - that is another $50,000 in appreciation you would make in the 3 years - give or take.  

At one point I was told I could obtain funding (non-conforming was the term that was used) with 12 months of bank statements.My question is what would make me more appealing to a lender; should I continue with 1099 work or go to W2??