Heres my thing though, earlier this year I quit my job to run my retail store business full time so now my tax return will reflect self employed income where losses may be reported.

No longer at this address" and the date, and then drop it in the outgoing mail box at the post office.If you read the fine print on store flyers and catalogs, sometimes they will give you an address you can write or a phone number to call to get off of their mailing list. 

Also, Experian does something similar, and they have a mobil app, so you can check whenever you want to.

Check your local Habitat Stores for used material.  

Any tools or apps out there that can help me do this efficiently?

Having said that, if one is going to apply for a mortgage within 3 months, this can hurt you when going through the app process (one of the reasons why I was interested in non-recourse loans not based on credit).  

Com blah blahI took a screenshot but don't see how to attach it with the app so there you go.M

If you have a unit that rents for 500/month and from that unit you cash flow only 150 monthly and you have over two years documented income on tax returns, you will only be allowed to use 75% of that "cash flow" income for a mortgage app??

Risk is the basis for interest charged, however some lenders just peg a rate at what they think they can get, that's a money store approach and they generally mark up the price for money, most hard money lenders are in this category lending with limited underwriting factors.Also understand that an investor who approaches an individual who is not a real lender, takes on the liability of presenting the lending opportunity, much like if you were selling a bond.

is there a good app that is ubiquitous and many people use?