A conventional income applicant, so to speak, could lose their job and pay you nothing. 

This likely means living in Louisville proper, depending on the job's location.

The 2 most common experiences are:1.

We fee like a conservative approach will let us go through the growing pains of better understanding real estate investing without the worry of being over leveraged to add to the stress while we are both still employed full time in our careers and do not plan on quitting our jobs to go fully into real estate. 

1) If you continue waiting for the "right time ”, you’ll always be waiting.2) Your current job doesn't care about you.

For LTRs, prioritize markets with population growth and strong job markets.Wherever you choose, work with an investor-friendly agent who knows the local market and can help you analyze deals.

Both claim they were married to the borrower via Texas’s common law marriage rules.

Should I offer to pay them for their consultation, or are these types of questions common as part of the PM vetting process and is a "courtesy service"?

Create a realistic pro forma profit and loss statement to determine if this business has the potential to pay any more than you could make working a “no risk” job. 6.

The macroeconomics here is booming - the tech sector growth keeps the population and job market growing and rental demand strong.