For the last 20 years the Federal Reserve's dual mandate has been to prop up both the SP 500 and the Nasdaq, not its purported goal to maintain price stability and maximize employment. 5 days ago a collection of Democratic senators wrote a letter haranguing Jerome Powell and asking him to cut by 75 basis points.

Hopefully a) they meet/exceed my expectations over time and b) more auditable info/data comes into existence based on the experience of Flock shareholders, in contrast to the rather limited info/data that exists today. 

By the time their information gets to you from PadSplit, they've already had their background checked, income and employment verified, and their eviction history has been checked.

We use a YTDpaystub and last year’s W-2(s) to calculate income several different ways:Hourly or salary income calculated to a monthly amountYTD income divided by number of YTD monthsYTD + W-2(s) income divided by the corresponding number of monthsIf these numbers vary too much, then we investigate and require an acceptable Letter of Explanation.Employment StabilityUnless an applicant has exceptional credit, we strive to determine their stability of employment to make surethey’ll always be able to pay the rent on time.

There is a lengthy discussion comparing and contrasting the "broker" and "finder" parties and their role in the transaction in the court case described here: http://law.justia.com/cases/new-york/other-courts/2010/2010-20104.htmlWhile I realize this does not apply directly to the topic at hand (Wisconsin), I and other BP members in other states should find it very informative and educational.

Employment: I've got three international students with solid job incomes and have been covering their rent with no issues for the past two years (2 of them don't have parents in this country).

I plan on holding my license under my employer, since they are a managing broker- Will my managing broker see deals that I complete if my license is held under them? 

This is a stark contrast to most on BiggerPockets who are chasing the BRRRR method to "scale" and achieve infinite returns but instead buy in stagnant low barrier markets. 

While we are both gainfully employed and have good income, our DTI (Debt to Income) is obviously incredibly skewed even though our properties cash flow. 

**Verify Employment and Income Directly**: Since they might lack a U.S. credit score, contacting their employer directly can help verify their job status and salary.