Qualify using 1099 forms from your clients or contractors. For independent contractors and gig workers who receive 1099 income.
1099s
Docs
1-2
Years
10%+
Down
Written by Renzo Johnson, Licensed MLO · NMLS #PENDING · Last updated: February 2026
Key Features
- 1-2 years of 1099 forms accepted
- No tax returns required (in many programs)
- Calculate income from 1099 total or averaged
- Available for independent contractors, consultants, freelancers
- Loan amounts up to $2 million
- Primary residence and investment property eligible
Who Is This For?
- Independent contractors (1099 workers)
- Gig economy workers (rideshare, delivery, freelance)
- Consultants and freelance professionals
- Real estate agents (1099 income)
Florida-Specific Considerations
- Florida’s growing gig economy and freelance workforce
- Popular among FL real estate agents (100% commission = 1099)
- Tourism and hospitality contractors in Orlando and Miami
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