Fix that and re-test with a hose...

Quote from @NA NA: I'm sorry, but you have to accept responsibility for these decisions.

NONE of these "ands" is a guarantee so it mathematically is incorrect to call it a numbers game.it is NOT a numbers game.The harsh reality of the matter is you need to think, and stop accepting opinions from others just because you want them to be true.

I made myself take QB classes and struggled for years, my CPA said what I am doing is about 80% correct and it was a ton of work to clean up the files. 80% is not acceptable for me when it comes to IRS stuff.

Perhaps, it is best that we terminate the lease because I can’t continue accepting late payments until the lease is up.  

Thanks so much for your help in advance Short answer is yes there are no income products and or stated income products you could utilize till you eventually start filing an acceptable form of income to qualify back for full documentation loans again (eventually).

Once you have a shortlist, sign up for an account with each one and test them extensively to see how they function.

I would recommend that you screen your tenants and have them complete a background check with a company of your choosing and not just accepting Zillows in house background check that some of the tenants already have.

Reach out to a few, see who you like and see if they are accepting new clients.

Any special lenders that you were using that accept foreign nationals?