Also, I have found errors in my last years tax return and I guess I need to point them out to him?

Sounds like you two were busting butt last year! 

I totally understand there won't be a positive cash flow ,infact Zero Cash flow which could last for months.

few things here from my limited experience.....1. what is the rate on the original home loan because rates have shot up in the last couple months a bit...if your current rate is higher or about the same it makes sense to do it now. 

I'm eyeing an REI meet up next month (just found one and sadly missed it last week) to meet new folks in the industry, but if anyone is willing to help in any way, a fellow newbie would be much appreciative.

(Speaking for myself) I am in the process of getting a city fheps voucher I do live in a nyc shelter, however I am self employed before having to go into a shelter my husband and I work from home, we have our own income and we are responsible and clean tenants we have great rental history unfortunately we received a huge rent Increase we did not expect in another state we was in (Florida) over $400 we expected atleast $100-$150 that left us with no choice but to take our family to new York (where we originally from) being that that is the only state that offers assistance (placing people In shelter and helping them) that was realy our last resort we could have downgrade and went into another facility but we did not have the deposit and moving $ to do so in little time.

@Joshua Mckeller, as long as you have been employed for the last two years regardless of it being part time or in the same field of work, you should be okay.

I've been told that a loan would close at a rate that sounded pretty good from a lender, just to be strung along and to have the loan terms change last minute.

I have only found one online that advertises this option and their phone number is disconnected.

Examples are internet, phone bill, car if used for business, etc.