Looking to connect and know more with locals with some 'skin in the game'I saw some banks saying 10% down minimum but you need to show one year of stable employment with the same company..

Brandon has not been employed by RP Capital since January of 2017.  

I'm just trying to grow my wealth as much as possible during my most formative years (I'm 47) and self-employed as just have a I401K which has lagged at best even thought I have had for 20+ years.  

Calling past landlords and employers: Here is the process that I follow RENTAL VERIFICATION:Contact owner and ask following questions:Can you please confirm [name] lives / lived there?

With Lansing, you have better prices and with MSU, state government and GM all as local employers, it made sense to me too.

San Antonio, while not wealthy, has relatively stable employment rates with the major military bases, USAA  headquarters, and the Medical Center.

When you achieve income, you can then pay yourself from the S-Corp using the 1:2 salary / dividend split to minimize your self-employment tax liability while still showing an income to prospective lenders for personal credit.Hope this helps ......and, for what it's worth, my investing group's tax and legal expert's law firm has an entire department with a sign on their wall which reads, "We Fix LegalZoom Entities".

The only thing I'd change (cause I'm a vocabulary nerd) is that the tax is not capital gains - it's technically earned income tax with self employment tax.  

I have the money to invest clearly (and have great credit) but don't meet the blasted federal requirements to get a loan through a FDIC insured bank (W2 or two years of steady self-employment income).  

It's free and can be done online: https://www.irs.gov/businesses/small-businesses-self-employed/apply-for-an-employer-identification-number-ein-online.