I cut out the middleman.I have started accepting Zelle which is an instant transfer, is free and is supported by all the major banks.

The bank isn't going to cut you a check. 

I've worked in various jobs over the past 4 years with sporadic flows of income from each. 

So, that won’t help.Even if they cut 1-2%, that won’t make up $8,000 on a house of this price.At the end of the day, as an investor, you have to have a walk-away price when you make an offer.

Hey @Zasha SmithGood job saving up $140k!

Besides my full time job as an Electrical Engineer I want to build a long time portfolio for financial freedom and satisfying my entrepreneurial soul.

Current situation: Early 30s, both live and work in town in professional jobs (CPA, real estate appraiser).

Good thing you have a good job.

I have recently witnessed some people around me that I look up to have financial troubles in fields/jobs that should be “secure.”

Sounds from the report that a steam cleaning of the carpets, and an complete paint job would cure the issues.