She has a good-paying job, and her employment has not been affected. 

One strategy we employ is to give preference to those who are from out of the area and here for a set period of time (and then presumably leaving back to where they are from).

I had someone give us a fake employment letter and fake Visa last month so if it feels off, trust your gut like @Jeff Willis said.

Perfect example Oregon ( Hillsboro tech Hud) got a massive amount of Chips Federal Grants as Chips are seen as a National need ( dont want to rely on Taiwan)  Intel is largest employer in state . the city of Hillsboro identified 1700 acres to bring in to ensure future high Tech growth ( got to have the land)  the no growthers and farmers and newspapers scream we cant have sprawl U cant do this.. we have plenty of land already in the Urban Growth areas.. while thats true very few parcels are over 40 acres in size.

So, we are somewhat covered.My employer has an Employee Assistance Program that includes some legal help.

We do a lot of self employed loans and we can take your investment income in your pre approval.

If you are putting your STR on Sch C and NOT providing substantial services, you will cost yourself money long term and risk the IRS reclasses your activity (which may or may not have consequences).Nonpassive does NOT equal Income from Self Employment automatically. 

I am self-employed so it was a challenge just to get a loan in general, not being a traditional W-2, but that was finally overcome.

Welcome to the land of self employment

Since this is an FHA Streamline, there is no appraisal, no income verification, no employment verification, no out-of-pocket costs, and nothing rolled into the new loan.