This is actually much more common for first-time filers in the US system compared to those who've filed for years. The IRS often puts additional verification steps in place for new taxpayers that they don't publicize. I've seen similar situations with international students who file for the first time - their transcripts often take 3-4 weeks to update compared to 1-2 weeks for established filers. I'm concerned this could impact your refund timeline if you're expecting one, as these verification steps sometimes add another 30 days to processing.

I can relate to your anxiety as a newcomer to the US tax system! I'm in a similar boat - filed my return on March 29th and still waiting for transcript updates after 17 days. What's helped me stay calm is understanding that the IRS processes returns in batches, not continuously. One thing I learned is that transcript delays don't necessarily mean there's a problem with your return. The "No return filed" status is misleading - it really means "not yet processed to the point where it shows on transcripts." Since you have your transmission confirmation, your return is definitely in their queue. For peace of mind, you might want to check the IRS2Go mobile app's "Where's My Refund" tool - it sometimes shows status updates before transcripts do. Also, if you're really concerned after the 21-day mark, you can call the IRS practitioner priority line if you have a tax professional, or use the general taxpayer line (though expect long wait times during peak season). Hang in there - this waiting game is unfortunately normal for April filers!

According to Internal Revenue Manual 21.4.1.3, normal processing time for electronically filed returns is 21 days, though the IRS is not obligated to issue refunds within this timeframe. Section 6402(a) of the Internal Revenue Code gives the IRS broad authority to determine refund timing. Community wisdom suggests checking transcripts on Thursdays or Fridays between midnight and 6am EST when batch processing typically occurs. Most returns with filing status changes undergo additional verification per IRM 25.25.3, but this rarely results in audit selection.

I completely understand your anxiety - going through a divorce and filing status change adds extra stress to an already nerve-wracking process! I went through something similar two years ago. At 14 days, you're still well within normal processing times, especially with the filing status change. The IRS typically takes longer to process returns when there are significant changes like yours (divorce, dependent claims, etc.) because they need to verify the information against their records. What helped me was understanding that transcript updates don't happen in real-time - they usually batch update on Thursday/Friday nights. Try checking Friday morning around 6am EST when the system refreshes. Also, make sure you're checking both your Account Transcript AND Return Transcript, as sometimes one updates before the other. The good news is that "accepted" means they've received your return and it passed their initial automated checks. Now it's just working through their processing queue. With the filing status change, I'd expect to see movement by day 18-21. Hang in there!

Has anyone else run into issues with lenders when taking this approach? I did something similar last year, and even though we technically kept the same borrowing entity (the LLC), the bank eventually found out about the ownership change and triggered a due-on-sale clause in the mortgage. Ended up having to refinance at a higher rate.

This is a complex situation that requires immediate attention to several tax and legal issues. First, yes, an S-Corp can legally own 100% of an LLC, but there are critical steps you need to take to properly structure this arrangement. Since you've acquired the single-member LLC, it will become a disregarded entity for federal tax purposes unless you make a specific election otherwise. This means all income, expenses, and activities of the LLC flow through to your S-Corp's tax return (Form 1120S). You'll need to file Form 8822-B to update the responsible party information with the IRS, changing it from the original owner's SSN to your S-Corp's EIN. Regarding your property tax avoidance strategy, I'd strongly recommend checking your local jurisdiction's rules immediately. Many counties and states have closed this "loophole" by defining transfers of controlling interest in entities as taxable events. You may still face reassessment despite purchasing the LLC rather than the property directly. For mortgage payments, you can continue making them through the LLC as normal, but be aware that many commercial loans contain change-of-control provisions that could trigger acceleration clauses when ownership changes occur. I'd recommend consulting with both a tax professional and attorney familiar with your jurisdiction's property tax laws to ensure you're compliant with all requirements and to address any potential issues before they become problems.

Just a heads up about Washington state - while they don't have income tax, if you're doing any kind of consulting or business work while there (not just regular employment), you might be subject to their Business & Occupation tax. Caught me by surprise when I was working remotely from Seattle for a few months.

This is such a complex situation, but you're definitely not alone in dealing with multi-state tax issues! Based on what you've described, Colorado sounds like it remains your domicile since that's where your official documents and permanent ties are. One thing I'd recommend is keeping detailed records of your travel dates and work locations going forward - this will be crucial for calculating income allocation between states. You can use a simple spreadsheet or even a phone app to track which days you're working where. Also, don't panic about the withholding situation. Even if Colorado was the only state withholding taxes, you can often claim credits on your Colorado return for any taxes you end up owing to Arizona as a non-resident. This prevents double taxation on the same income. Since you mentioned you can't afford a tax professional right now, consider looking into VITA (Volunteer Income Tax Assistance) programs in your area. They provide free tax help and many volunteers are trained to handle multi-state situations. The IRS website has a locator tool to find VITA sites near you.

I learned the hard way about SaaS vendors and 1099s. I sent 1099s to all my software providers thinking I was being thorough, and ended up causing issues for several of them since they were already reporting that income properly as corporations. One actually contacted me asking why I sent a 1099 since they're a C-Corp and I paid by card, so it created duplicate reporting headaches for them. They had to reconcile those differences with the IRS. My advice - don't over-report! Follow the rules others mentioned here. Only send 1099s when actually required, as sending unnecessary ones can cause more problems than it solves.

As someone who went through this exact same confusion last year, I can confirm what others have said - you're most likely fine! Since you're paying by credit card, that alone exempts you from having to issue a 1099 to your SaaS provider. I had the same worry about my appointment scheduling software (also around $80/month), and after doing research and talking to my accountant, learned that credit card payments shift the reporting responsibility to the payment processor. They handle reporting those payments to the IRS on Form 1099-K when thresholds are met. That said, I'd still recommend getting a W-9 from them for your records - not because you need it for 1099 purposes, but just for good bookkeeping. It helps document that you did your due diligence in case any questions come up later. The peace of mind is worth the 5 minutes it takes to request the form!