A good HML would never give a blanket POF letter unless you had a relationship and history with them.

I ask because I know with some the particular area in Maine as well as rental history will make a huge difference

For example, sometimes if you look at the listing history for a stale listing, you can see a pattern ... as in, the seller/agent has reduced the list price by $10k every month it doesn't sell for the last 3 months ... then, if you see a pattern like that you can get a feel for if/when it will get down to the ballpark it needs to be price wise ... make a mental note to check back around then, and you can then put an offer in the night before you expect them to drop their price again, with the anticipated price drop, plus an additional smaller price drop to get you a great deal ...

Also the recent payment history on the husband has been good. 

Is this something I should ask the seller about in relevance to the home's financial history? 

My question is, are there lenders that are willing to do a loan to an unemployed person but with a 2 year history of making payments.

I haven't shopped around for insurance for a few years now, but I noticed a significant increase in how much we pay for our Texas  rentals.What REPUTABLE (with good/excellent history of paying out in case of fire) insurers would you recommend? 

I haven't shopped around for insurance for a few years now, but I noticed a significant increase in how much we pay for our Texas rentals.What REPUTABLE (with good/excellent history of paying out in case of fire) insurers would you recommend?

(I opened the Florida markets and ultimately was responsible to buy/rehab/lease/manage over 12000 single family homes which we bought 1 at a time from Q2 2012 to Q4 2014)  Lucky me, I can say I have signed more individual closing packages than anyone in Florida history... that and $5 still only buys me a cup of coffee at StarBucks!

They may require some type of experience and maybe some assets type of thing but your personal income will not be a deciding factor if the property has a history of performing well.