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).

Not much of a point in quoting rates right now when they are going up and up, day after day after day after day -- quote accurate for the day and the consumer will feel bait-and-switched because they are still X days away from the seller signing the dotted line by which time rates will have continued to go up, or quote higher in anticipation of that and they will go with someone quoting lower.

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.?