KELLY ROWLAND IS IN LOVE . . . AND WE GOT PICS OF HER DUDE . . . WHO IS . . . UMMM . . . NOT ON HER LEVEL!!!

just CONFIRMED from a ROCK SOLID source that Kelly Rowland is IN LOVE . . . and is considering MARRYING a dude.

Who you ask??? Is he a professional ATHLETE, a big money Wall Streeter? Nope, it's her MANAGER Tim Weatherspoon (photo'd above).

Unfortunately for Kelly, she's gonna have to pay all the bills. You see Tim's ONLY client . . . is KELLY.

Hey - it worked for Mary and Kendu . . . so maybe it can work for KELLY .. ..