They are actually encouraged by our appreciation (a lot of the country is less promising).The demographic shift continues to swing in our favor and we are becoming a year-round market with more mature industries/ employment opportunities.

It's a great place to be employed, while I build the RE business on the side.Let me know if you do have an interest in the position I mention and I can get you for info.

So, if you are based in a larger economy, your wealth won't be dependent upon only the military, or any other one-hit-wonder type of employment.  

Do they really think that employers will just eat that extra cost?

There are lots of reasons for this: no down payment; no job history; unstable employment situation (frequent transfers, for example); does not want to maintain/rehab a home; wants to live in a nicer area than buying would allow; ETC.We have some older women who could afford to buy, but like being able to just call us if something goes wrong rather than hunt down their own repairman and pay the bill out of their pocket.

These were intended for people who had a hard time verifying income, such as the self-employed.

Rarely will you get the truth from a past landlord.Call all job references to verify employment.  

OTOH, if you find a run down property in a nice suburban neighborhood close to major employers and upgrade it can it become a A or B property?

I'm proud to offer lending to self employed investors who need non traditional funding for their business and investment opportunities. 

What are your thoughts on getting a loan from my current employer to cover those costs?