I do know some self employed guys that were forced to use obamacare and pay over $3000/mo for a family of four.

For this reason, it may be best to look into a self-employed 401k as UBIT generally does not apply to 401k real estate purchases that are finance with non-recourse funds.

In Mooresville, there are 27 employers that employ 100 or more employees.  

I can tell you smaller properties are usually self-managed, managed by a worker of theirs who also is a handyman, or they employ a PM company that keeps records not at a standard of what  a large lender asks for in underwriting.So you get a lot of sloppy or incomplete records from the seller or the company they are using at that level.

Granted, these are agents were part of larger team and didn't read the fine print on their employment contract.

I still have to run the regular checks on him, but he disclosed that his employment ended in april and thats the reason to pay upfront for a year.what would you do if his credit and background checks out fine.  

Is there broad based employment, or one company, etc.? 

I do not have two years of tax returns as a self employed individual.

I put the details in the google doc as its easier to display than in the posting section.https://docs.google.com/spreadsheets/d/1Gi7HweJKvb...Additional Non numbers informationThis would be my first propertyYes there are cheaper placesNo I can't buy those as they are too far from my and my fiances places of employment (this one is already on the edge)Owner Revenue is us paying ourselves our current rentWould consider this a B property in C neighborhood Each unit has central air, W/D, & Dishwasher, all of which are considered luxury items in an apartment.

I asked for a copy of their pay stubs, called their jobs to ensure they were employed and did a basic check by googling their all of  their names.