FHA does not have a clear definition in their guidelines, but most lenders have stability standards, depending on several factors (contract length, previous employment, etc).

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.

Couple that with the lack of home building post GR and that's made a 1+1 combo equal 5.also in last 60 days, there're bunch of SFR funds liquidating their houses unsure why, but this month the top secret narrative that everyone already know is we are in GFC 2008 situation in CRE fantasy-land ; so it seems lot of funds in trouble and there're lot of redemption request from investors, maybe it's forced selling of the good performance asset to help recover the bad asset. 2024 is extremely interesting Jason, there're lot of factors that keep driving the dynamic of single family, and it's not employment per-se.  

If they've got bad credit, we also focus on stable income and 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.

Have them fill out an application form listing their previous place of employments, references, etc.

From your question's verbiage, it sounds like theyre trying to verify the length of self-employment history, probably to meet either the two-year or five-year marks.

Agents are typically 1099 self employed contractors.

Diversify your study by including communities with employment growth, schools, and low crime rates.

You’re a family office and/or employ advisers trying to earn their salary and/or investing as 100% owner of a TIC (or JV) and can maintain continuous pre-tax compounding even after exiting a position.