Self-Employed
Self-employed financing — the 1099 borrower's hub
Authoritative guides for self-employed borrowers — personal loans without W-2s, business loans as a sole proprietor, mortgages and HELOCs on 1099 income, and the lender's income-verification checklist. Honest underwriting math, fully sourced.
The cluster
Personal loans without a W-2
How lenders verify income for 1099 borrowers — tax returns, bank statements, P&L, and the add-back analysis that decides your DTI.
Business loans as a sole proprietor
What's available and what isn't — SBA, LOC, MCA, factoring — and when electing an LLC or S-Corp before borrowing pencils.
Mortgages for self-employed buyers
Conventional vs FHA vs VA underwriting for 1099 income — 24-month averaging, add-backs, and bank-statement non-QM loans.
HELOC as a self-employed homeowner
Why HELOCs are harder for 1099 borrowers, the rate premium to expect, and the cash-out-refi alternative when denied.
Verifying income with 1099s
The 4 document types lenders accept, 2-year vs 12-month rules per product, and the CPA-led add-back letter that fixes a low AGI.