Sometimes you can look at stats all day, but common sense still needs to play a factor. 

I decided the shrink was right and I made some major changes in my life, including a divorce and - more recently - I parted ways with my employer.  

Denise, that credit score will go a very long way from a bank's perspective so kudos to you for getting it up that high, FIS (Fair Isaac Score) is a lender's number 1 determination for a qualified candidate, after that your income and debt to income ratio, payment history, employment status, etc. will go into play.

Common areas of the buildings have been all updated 2014 seller bought in 2012 for very close to $2.1 and that is what he will sell them to me under contract. 

Are there any other employers in this area?

Yes, you can use it, but you'll likely need 2 years of tax returns for your self-employed income for it to count (if you're trying to get a conventional loan).

The FHA identifies the following benefits: Low cost -- FHA-insured loans have competitive interest rates because the federal government insures the loans for lenders.Smaller down payment -- FHA-insured loans have a low 3.5% down payment and the money can come from a family member, employer or charitable organization as a gift.Easier qualification -- Because FHA insures your mortgage, lenders may be more willing to give you loan terms that make it easier for you to qualify.Less than perfect credit -- You don't have to have perfect credit to get an FHA-insured mortgage.

It does not account for if a complex has owner paid utilities or some other high and less common general expense.I don't find it very useful at all to evaluate 50+ unit apartment buildings across the country as there are just too many variables.

I compiled a bunch of my resources in this BiggerPockets Blog Post I wrote on Investing out of state.It includes tool to use to check on employment, think through your goals, etc.

Loeffler, but does he still advocate the employment of rent credits?