Having those services wrapped up for you could be a good option as well. 

That makes it hard to use a lot of these services with any sort of confidence.

His name is Mel for the purpose of listing out our situationsHere are some of the realities of our situation:Mel has a lower FICO (610-620 I believe)My FICO score is higher (770)Mel has a W2 paying job where he is salariedI am a 1099 with two separate companies (Independent Contractor)Mel has been FHA approved up to $300k I have not because I don't have a "steady income" even though my income is higher than average, they don't like the fact that it is inconsistent because I am not salaried.We currently live in Orange CountyLooking in Pomona (LA County) and Riverside County for property because anywhere else $300k is unrealistic to find a multi or a SFR to flip.Now if you've come this far and read all that....

They are affordable, with a deep staff, two locations, great customer service and an attention to detail.

I have my taxes/insurance figured into my Net Operating Income, so I should exclude taxes/insurance from my Debt Service costs, correct?  

I am new to the Real estate investing world, and have recently joined a service that sends me deals that have been analyzed for a fix and flip investment.

After working for someone all my life, I have found out that I want financial freedom and independence. 

Long story short I want to make sure people know I take pride in being a landlord and want to provide the neighborhood and my tenets a quality service.

Driving for dollars... drive around the neighborhood and look for homes that are vacant and use skip tracing services to locate the owner.

@Adrienne MedinaYou may want to look into transferring the IRA to IRA Services Trust Company as they charge flat fees not a percentage.