For example, skip tracing and background checks (not employment or tenant, as they disallow that.) 

But it goes deeper, larger debt loads on non liquid assets requires analysis of cash, use of cash, inventory turn over or how fast we turn over deals or tenants, how quickly we collect revenues, tax liabilities, seasonal changes in those areas of business and real estate that are subject to seasonality (vacation rentals, apartments near colleges or seasonal employment, think motels or restaurants or gas stations and C-stores).  

I am self employed and curious as to my lending options.I file my taxes and claim all my income and make my deductions.I will be using 2021 and 2022 tax returns.I am 100% owner of an LLC S-Corp.My self employed income starts in 2021 and my LLC was founded January 2022.I have a business credit card and bank account.My income when working is consistent and predictable.

I am self employed and curious as to my lending options.I file my taxes and claim all my income and make my deductions.I will be using 2021 and 2022 tax returns.I am 100% owner of an LLC S-Corp.My self employed income starts in 2021 and my LLC was founded January 2022.I have a business credit card and bank account.My income when working is consistent and predictable.

I'm trying to grow my portfolio but don't have any money for a down payment nor the ability to get a mortgage since I'm self employed.

(Owner covers water and garbage.)Turbotax will not account this as rental income, and wants to count it as self-employment income on Schedule C.  

But, humans will expect employers to be extremely flexible with their requirements on working location. 

With that said, HSA is a no-brainer if you’re on a high deductible plan (and even better if your company provides some employer funds).  

I am certain we have less properties than about 80% of the folks on BP, as we both have full time employment in a field not related to real estate.   

Well, the easy rout would be to start calling ads on Crags list and before paying to fill out an application just be upfront with the owner and ask him/her if you can rent there.There are people who will rent to you, but most will run a background check on you.Some will want first, last and a security, some only first and security.If you are under-employed and have a co-signer, its not a lot different than a college rental.I'd say just start calling ads in Craig's list on after another and if someone say OK, and offers to let you apply for a fee (to run a personal background check) then make it happen.https://www.youtube.com/watch?