There was one guest BP's podcast (sarah prickett) who mentioned she had several mortgages under her name and her debt to income was awful but she had the desired income she wanted along with working for the US government as on a reserve status.

@Patrick Philip,Well, banks are "flush with cash" these days, but no, they do not have unlimited funds.Also, when banks lend, they impose certain restrictions on the loans, the borrower, the collateral, the terms of the loan, etc. so the note can be sold in the secondary market or be insured by government-sponsored agencies like Fannie Mae, Freddie Mac, etc.Private lenders ("OPM") typically don't write loans to sell them, and typically are interested in the deal rather than the borrower's details.Using OPM down usually means putting some kind of partnership, joint venture, etc. together so the source of the down payment is less of an issue or a non-issue to  the lender(s).Dunno if that helps...

The reason is that is by state law you are considered an intermediary and not a principal, you are required to comply with the rules governing the behavior of licensed real estate professionals when running your wholesale operation.

I am looking for information on employment verification and what the government has to say about it vs. what the bank has to say about it.

(c) Assists or offers to assist in filing an application for the purchase or lease of, or in locating or entering upon, lands owned by the state or federal government. 

Its government stuff so sometimes they can be a pain on things, but I've never lost a deal once it was inked.They are moving way faster over there than they were last year, the ones priced right are getting gobbled up, you really don't have a week to ponder things if its a real deal. 

Timing is a waste of time.Any data you do find is monkey math manipulated out the wahoo to tell a story that the government/Federal Reserve wants to convey.

Are there rules of thumbs governing this decision?

Have you considered that the Fed's printing money like water to buy our Federal Debt is really just a hidden tax on all citizens who try to save Dollars or expect the real value of their rentals to appreciate?

Then at the end of the year I just print out a report that has all my income and expenses and hand it to my accountant and done!