A lot of employers now offer Employee Assistance Programs (EAP).  

Quality firms in this field will do more than just setup the documents, and will provide you with ongoing access to consultations about the use of your plan and compliance with IRS guidelines.If you are self employed and have no full time employees, you would qualify for a Solo 401(k).  

If so, do you pay yourself as a w-2 employee to avoid self employment taxes?

My full-time employment is working as a deep-sea diver and subsea inspection project manager in which I freelance as a contractor.

Plus potentially self employment taxes as well. 

With all of the new employers coming in, I believe the demand will only increase.

A year ago I went through the whole process because of one's enthusiasm only to find out I was denied because I had less than two years of self-employment tax returns.

Unlike passive rental income, the income from an active trade or business is subject to self employment tax (a nasty 15% tax commonly referred to a "social security and medicare" by working folks).

nice location, 1/2 mile from a well established town 30 min from the the capital raleigh. house going for 13k plus back taxes of 3k.built in 1901 remodeled in 1945, 879 sqf 1 bed 1 bath. needs total gut remodel and major system upgrade. the issue is they have tenets in the house now, family of four, dad cant work bc of heart conditions. unsure of moms employment. landlord says they have been paying rent, but I have no hard records of that.  

I don't think I've every had a 100% complete application, but if they're left off something essential, say their employer or current landlord, I ask them to add that.I'm also very up front about my criteria.