A 16.6% probability of a paycheck is not even remotely reasonable.Being self-employed, time management is critical. 

I do a free preliminary screening of each applicant, such as; calling current landlord, verifying employment and income, looking up criminal records on open source documents (in Iowa anybody can look at Iowa Courts Online).

I always wondered why having a job was considered better than being self employed .  

You want to go to the Bureau of Labor Statistics and get the Metropolitan Area Employment and Unemployment Monthly Report: https://www.bls.gov/news.release/pdf/metro.pdf.  

As of now, I put 20% of my paycheck into a Roth account where my employer matches 5%.

My personal solution is that if we can't do it, I'll identify the overlay and refer it out (in my case this is most typically HELOCs, since minimal/no overlays on the 30YF 1st mortgages was a big part of my 'employer shopping' last time I switched where I hang my license).

Both buyers are new college graduates, one with a masters degree with excellent credit, and both have signed employment contracts with the local school districts.

I've read that some lenders need longer than a couple months of employment history at your current job.

or does that negate         the 50/50 percentage and somehow count as self employment income, employee, manager instead of member managed, etc.?     

HI all,When looking into a new market, does anyone know the best resource to use to find out who the biggest employers in the market are?