Lastly, always keep your job and build your employment foundation because that keeps you income relevant and lendable.Hey thanks for your reply!

Where another issue arrises is I recently quit my job after becoming pregnant as they would not cover my maternity while overseas, my husband is employed however he works for a UK company and is British so would be unlikely to help us with the situation in the US.

Non-QM I can do things like bank statement, self-employed, ITIN, Jumbo, blah blah blah.

When evaluating markets for rental properties, there are a lot of factors to consider: population growth, employment rates, rent to price ratio/GRM/Cap Rate, rent trends, vacancy rates, etc. 

Memphis is home to major employers like FedEx and has a booming logistics and healthcare industry.

I think that strategy works best in higher areas or mid term rentals near major employers.  

I have a pretty large emergency fund in place for those properties, but I wonder if that capital could be better employed elsewhere (potentially acquire another property).  

Employment Rate: Italy has historically had one of the lowest employment rates in Europe.

Quote from @Anthony Sigala: Is there any way to get around the 1 year employment history requirement for FHA loans?

As our team has grown, it's become easier to cover responsibilities if someone quits, goes on vacation, or if we terminate employment, compared to when we had one or two homes.