A lot really depends on the strategy being employed. 

Your day-to-day personal expenses are covered; you're free from credit card debt and other personal / consumer debts; you're saving in traditional retirement accounts, like a workplace 401k, up to your full employer match; you have a comfortable emergency fund.I'm assuming the real estate market, at this time, is "normal" (like 2014 or 2015).

I am self employed  and have been in the same line of business for 14 yrs.

If he's employed with a firm, he'll be collectible.

The broker or salesperson that employs an unlicensed person might be criminally charged for the crime as well.

I was unemployed for about 4 months and have been at my current employer for only a year.I live in an area that has high house rents.

While I LOVE what I'm doing, and Lord willing will never go back to a "job", financing is considerably more difficult when you're self-employed.  

They separated from the community that was dragging them down, got sober, and they have had steady employment for the last 4 years.

I believe the longest loan term you can choose is 5yrs and there is no tax penalty as long as the loan is paid in full and you are still employed by the company.

…hinders the ability of registered people to acquire employment and housing.