Either overtime at work will dry up and they won't be able to make payments anymore and it all goes away as they struggle to keep everything insisting they still have a great life they earned, interest rates go up and the same thing happens or even a minor accident happens and they're out of work for a month.

@John Bohannan - real estate is local so you're going to struggle if you're looking to wholesale the 'Florida market'.

I'm still struggling with what all to include in the letter.

I live in the Greenfield, IN area and would prefer to invest near where I live but have just been struggling with this part of analyzing deals. 

My guess is you'll struggle finding any new commercial tenant with broken glass on the front of the building.

Also, if you deduct too much on your W2, you will really struggle to get a bank to finance another property because your income will look low.

Not only is that a useless number, it's dangerous when people rely on it.This is something that we Realtors have to struggle to overcome. 

We have been struggling financially for the last 3 years due to only having a single income, so I have been looking for a way to increase my income while also building a future for my kids.

I would probably struggle to make monthly payments on a refi if I am not getting that monthly income returned. 

If you document your "why", when you do have struggles you will less likely give up.