One thing that helped me with self-employed applicants specifically: instead of trusting uploaded PDFs, use a tool that connects directly to their bank through Plaid.

We start with a basic template and the only thing we update is the specific scope of work.

Trusts often make financing harder and add paperwork calories without much payoff unless you’re doing something specific like a subject-to deal.

If you are using a specific contractor for the first time, I would even suggest paying an inspector to check out the work before making the final payment.

Are there specific ways you’ve built strong local networks without being physically present (virtual REIAs, local partners, boots-on-the-ground roles, etc.)?

Do you use Zillow or other programs that allow you to filter very specific requirements for properties located within the US?

From a seller’s perspective, is SWD typically the default unless there’s a specific reason to offer a General Warranty Deed?

Early on, that flexibility was far more valuable than accelerating principal paydown.Keep going and reach out if you have any specific questions.

Zoning rules, short-term rental laws, HOA restrictions, and state-specific regulations also play a bigger role than many buyers expect, so aligning the intended use, financing structure, and local laws from the start is key to avoiding issues later.

It depends on the property specifics as well as your tax situation.