See who qualifies for 1099 Non-QM—contractors, freelancers, gig workers; mid-600s credit; 10–15% down; reserves; and 1–2 years of 1099 history.
Who Qualifies for a 1099 Loan? | The 2 Mortgage Guys
See who qualifies for 1099 Non-QM—contractors, freelancers, gig workers; mid-600s credit; 10–15% down; reserves; and 1–2 years of 1099 history.
Who Qualifies for a 1099 Loan?
Five Qualification Pillars
Typical Guidelines
How We Qualify You Faster
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Related Blog Posts
Frequently Asked Questions
See If Your 1099 Profile Qualifies
Typical credit, equity, reserves, and 1099 history guidelines for Indiana contractors and freelancers.
1099 Non-QM programs are built for independent income — not W-2 employees with clean pay stubs who already qualify conventionally.
Ranges we see on Indiana contractor and freelancer files — your exact numbers depend on the matched program.
All loans subject to credit and property approval. Program guidelines vary by investor and change without notice.
Ryan & Steve review your 1099 forms, bank deposits, and credit profile before you write an offer — so you know which Non-QM investor fits and what income number underwriting will use.
We flag gaps between 1099 box amounts and deposits, missing form years, and reserve shortfalls early — not after you are under contract.
If 1099 alone is thin, we compare bank statement and blended documentation paths so you land on the strongest qualifying story.
1099 qualification checklist
Related 1099 guides and Non-QM resources from Ryan & Steve.
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Ryan & Steve will review your 1099 history, credit, and reserves against current Non-QM guidelines before you apply.
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