HVAC is the biggest consumer, but often very expensive, so harder to predict pay back as it varies. 

If, as you say, you are unable to provide 2 years of recent tax returns, then the default response from the lender will be a firm NO.You may have better luck if you ask for a commercial loan rather than a residential consumer loan.

I tried hand writing the yellow letters, addressing the envelopes, etc. it was to time consuming for me.

Good job on staying out of consumer debt, keep it that way and investing will be much easier. 

., consumed), borrowers pay the taxes gradually over the following five years as they repay the loan with after-tax dollars.

I am a newbie investor from Southern California and have been spending a lot of time reading forums, books, and consuming as many podcasts as I can over the past several months.

He is a VP at a large consumer office products company and I am a project manager at a Fortune 100 Medical products company.  

I am currently using Buildium, but it takes becoming  very "clunky" and time-consuming to enter various details. 

You can always look into private money lenders that can lend on properties for consumer purposes.

This is time consuming though.I know that I could really get to the next level if I could fully utilize VA and other people in general.ThanksRick