I always refer out my good vendors, and so far they have always been very grateful and I get the benefit of priority, small freebies, and overall better work.With referrals, you are still a source of income as a customer, but you are also a source of income as advertisement, making you more valuable to them.If you have enough work to keep them nearly full time employed then it may be a different scenario.

Indy has a diverse job market: FedEx is one of the major employers and other employers are moving there, Elanco (veterinary pharmaceutical company) and there seems to be a small tech presence. 

Even though I have been able to spend a little more time here recently, I have done so very quietly and parked my car elsewhere, I still can not get my work life organized as I fear freely coming and going, and not being at home makes it so discombobulating.( I am self employed and schedule inspection appointments and write reports for work) Narc. cop says be patient, but I will be bankrupt if something doesn't give sooner than later and even if I win (big if), or sell it will be months and I could have to pay all his expenses.

Sometimes (usually) this means they don't have employment so there might be other problems down the road.

What's the employment (or unemployment) picture like?

Do we pay a self employment tax on this?

So long as your 1099 employment is in the same line of work as your previous W2 job, then you may have a good shot.

Banks typically require a DCR of 1.2, the Heeren Method employs DCRs of anywhere between 2-3.

I have a borrower (self-employed) who is purchasing a 640k property in Orlando area who has had to clear up unexpected conditions in order to obtain a loan commitment, but he has done what was needed and we're back on track.However, we need a few days closing extension and the Listing Agent is difficult, likely because from what I hear, she has a buyer ready and she would get the entire 6% Points real estate commission.I'm trying to be nice, but the listing agent and her title agent refuse to surrender the seller's contact info. 

Don't forget the tax benefit of owning the extra property. ( more depreciation)Borrowing from your 401k (if it's allowed by your employer) you can borrow up to 50k or 1/2 the value, whichever is less.