Fort Campbell is based there and is the main employer (I am former military so I understand and know that).  

@Tony Stephenson I would expect you have a noncompete or nonsolicitation of clients agreement with your employer.

Our initial application gets their current residence, how long they've been there, landlord contact info, employer, salary, how long they've been employed there, family size/status, pets, cars (years and type), whether they've ever filed for bankruptcy, had a felony conviction, owe any outstanding balances, and other similar information.

Plus more and more companies are establishing here and offering employment with much higher wages than most people around here are used to earning but as more and more people are able to earn higher wages then I know sooner or later the rents are going to go up significantly.

How about Employer's Practices Liability Insurance? 

It’s much better investment than most people make with a 401k through their employer at 7% average return.

In doing do, you will convert self employment tax free income to SE income.  

nice work employing multiple strategies  being the bank is a great feeling no doubt.

If you have time, a highlighter and pencil, ready to take notes, this is an excellent article:Real Estate Professionals: Avoiding the Passive Activities Loss RulesIn particular this summary of a Tax Court case:  "In Vandegrift, the taxpayer was employed as a salesman at a salary of $120,000.

But 12 months is certainly enough time for her to find gainful employment.