[citation needed]After graduating in 1984, Cramer's plans to become a prosecutor were dashed when he was denied employment with the Office of the United States Attorney for the Southern District of New York, headed at the time by Rudy Giuliani, because his law school grades were deemed not good enough.[3]Cramer was admitted to the New York State Bar in 1985 and his current status with the NY Bar is "delinquent".[6][edit] InvestorCramer obtained employment in 1984 as a stock broker in Goldman Sachs' Sales & Trading department.

I've been self-employed for about 12 years now.

Employment history and income need to be evaluated to really help make a great recommendation.What has your mortgage professional advised?

My FICO is above 700, but they want to see employment income.

Employers like to see focus.

Further, depending on your other income, the income from flipping may be subject to self employment tax.

Also learn about the vesting of your employer matches.

My challenge is, and has always been, that I forget things at a certain rate if I don't employ them so I must continually 'sharpen the saw' by reading, listening and applying my skills, as well as finding new ways to improve my systems for finding working and monetizing investments.Most people who invest in income real estate start with something smaller and manageable like an SFR or duplex.

I also try to independently verify employement.  

The NMLS has established a method of tracking and tracing  accountability of every single lending institution and the professionals that they employ.