I use rentecdirect.com, which charges me $29.45 to run a criminal/credit/evictions search and I check references (employment and landlords) myself IF the reports come back looking good.  

Rent is 1600 a month which she would share with another employed state worker.761 credit score!

They have good references from their previous landlords, they strike me like responsible people, all three of them (husband, wife, mother-in-law) are employed and have been with their same employers for a while.

as @Mary B. says, for a conventional loan I need 2 years of Self Employed history, as on a tax return.

I am self employed and I have never had an issue getting mortgages. 

I am going to submit an offer on my first personal flip property, I have done several with my current employer, but this one is my own money. 

I'm right in Fayetteville Arkansas college town and feel there is a lot of growth opportunity as well as steady flow of renters in this area.I'm 26, have a steady job and have been employed consistantly for 10 years.

Is there employment somewhat close??

I have a question for all the mtg broker folks out there.I have a primary mtg of $400K (fixed, 25 year @ 3.875%)I have a home equity line of $200K (variable at 3.25%)House will appraise for $900 or more (have refi'd 3 times in last 3 years and appraised at full value every time)I have absolutely stellar credit ~750I am employed and have a high incomeMy mortgage broker is advising me to refinance my primary mtg to 3.5%.

We discussed this option, but he also plans to continue his current employment situation for another five years or so, and I don't think the company 401k has an option to roll into a self directed Roth (I think the only way he can do this is to leave the company earlier than planned.)