It would throw up red flags to any future landlord, lender, or employer who cares to check.

I think climate change is actually less of a factor than employment availability, cost of living and where people have personal ties. 

Currently, I invest through Betterment with a general investing plan and a Roth IRA, and I also contribute to my employers Roth 401k plan.

Make sure you ask about employment on this form, as this information can help you determine which tenants may be able to afford a rent increase and which tenants may not.

If the employment is in Columbus and the rental property in Cleveland, the income is apportioned.

Maybe they will get some family support or maybe eventually she will have a new significant other with good employment that will move on.

To provide an example, I was previously employed in the legal department of HHM, which at the time was a an affiliate management company of a publicly traded hotel development/operation company where we managed  the portfolio of  hotels as well as provided 3rd party management services.

I was under the impression that bank statement loans are an option for self employed

Cities like NYC and Boston have so many employers and infrastructure that one or two major employers can go under and you wouldn't really notice. 

My DTI was borderline with my wife not employed but having friendly bankers on my side did it.