I'm in a classic dilemma:Strong credit 740+Net worth >$2.2M (primarily in equity, so not easily liquid)Great track record in real estateSelf- Employed in same industry/field  for many years, with YoY growth in income.Almost no revolving debt (two car payments and varying credit card balance, but minor)Tax returns UNDERSTANDABLY write off as much as possible (income looks low), so QM lenders can't read between the lines.Debt/Income ratio is high (55%) when considering tax returns as the source our net income and then mortgage payments on my 4 properties (not apples to apples).Asset based qualification seems to be a rare process?  

I know the difference between GROSS and NET, but my NET income has a deduction of contributions to my employer IRA fund so I think I'd add that back into the NET amount, right? 

The agent needs to agree to reduce their commission.This strategy is often employed by agents/brokers when they buy properties for themselves.

Verifying employment, verifying pay stubs are real (yes I have seen counterfeit ones before), credit checks, eviction/judgement records, criminal background check and last but not least, a written rental verification from their previous landlord.Feel free to reach out to me with any questions and/or advice.

Friday, it came out of underwriting and they said to have the buyers do one more verification of employment since it's been so long. 

My situation is unique so I'm seeking some specialized advise.Details :Property is a 3 family in Northern, NJ 1st time home-buyerIt will be my primary residenceI am self employed so my tax returns are funky and inconsistentAdditional Info:Weichert seems to be the only company that does this, however I hear they are horrible to work with so I am looking into other options. 

He asked his hiring manager to give me details of employment etc.

Most flaws come from the process a employer has, not the employee 

That being said, I fortunately have the means to close on two properties and I'm wondering whether it makes more sense to maximize my income and real estate purchasing qualifications (e.g. consistent employment, income, etc.) now versus trying to acquire my second property whilst in a new career with less income.

I explained that my goal was to acquire 1 property a year (through loans) for the next 5 years while I still had a W-2 to help prepare for retirement.After he put together our fin plan, he advised me that I should hold off on these properties and instead concentrate on putting more money into my 401K (currently only putting 5%, no employer match) and to pay down the existing loans for two of my other properties.