I purchased the property for 235k and on the listing it shows it sold for 210k after the wholesaler took their cut, I didn't notice it when I got the insurance but the insurance only covers the 210k and not the 235k +40k + holding costs, etc. 

I feel bad because I have tenants in the house and at least once a month the water is an issue for them as I have to cut off water.

I can't tell if the title fees have a section cut off or not, but it seems like they are pretty high, also not sure what the closing coordination fee is all about. 

Every new investor entering the market buys at a higher price point, cutting into their profits.

That really limited my investing options, but you set me straight.  

My job now is your normal 9-5, but I'm not completely cut-off from the world and still have text/email/call availability.

Originally I was looking to start with Airbnb because the returns are so great, however held back on that because my area could get regulated and then I’m screwed because for the long term rental a single family home won’t cut it  so now mostly looking into multifamily   

Renter sends in a total of 4800 = 1st month, last month, security deposit.I had lower standards in the past and when renters move out, their security deposit dont cut it.

Giving it straight, and blunt.There's nothing conflicting about how lenders evaluate the self employed.  

They took an aggressive stance in 2018, too, then by early 2019 they were already cutting the Federal Funds Rate again.