( down payments, credit score, reference check, judgment issues, employment history, and etc )

Although their loans are in-house they follow the Fannie Mae guidelines and the one I can not overcome presently is ... 2 years of self employed income history.

More important to her is her VERY good transaction coordinator who is self employed does not work for any brokerage. 

Employment?

Station" was used to refer to you rôle in service to your industry/employer ... dans le sens de votre station/place/rôle dans l'organization ... no intent to be condescending. 

I was self employed and had to get Mom & Dad on the loan to qualify, which was a little humiliating (I was over 30 fer chissake!).

You are subject to federal and self employment taxes and you may want to look at setting up an LLC that is taxed as an S-Corporation, depending on the state you chose to incorporate in.

Like buying a property or lowering your cost of capital, you know "financing" stuff.I also keep thinking that "creative" means different than the norm, something unique, something different, something that can be employed with a higher level of understanding and skill. 

Credit Reports, Bank Statements, Employment Verification, Background Checks, Child Molester: I've been treating the buyer in the same way I treat lease option tenants and doing the normal checks on that front.

I looked at my first commercial property - my chiropractor's office.