Approved profiles
Real-shaped scenarios of how self-employed, 1099, ITIN, investor, and newcomer borrowers commonly qualify — the program they used, the numbers, and the lessons you can apply. Find the one closest to your situation.
1099 & gig
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Gig driver · 2 yrs · 660 · FHA after prep
This driver pieced together income from rideshare and delivery apps. Like many gig workers, they wrote off mileage aggressively, which is great…
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Locum physician · 18 mo · 760 · 1099 program
Eighteen months after residency, this hospitalist was earning roughly $310,000 a year in day rates across two staffing agencies — and showing…
Bank statement
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1099 designer · 2 yrs · 720 · bank-statement
This designer earned roughly $145,000 a year in deposits but, after writing off software, a home studio, equipment, travel, and a SEP-IRA, showed…
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Seasonal business · 24-mo · 680 · bank-statement
This owner ran a landscaping business that earned most of its money from spring through fall, with quiet winters. That seasonality made…
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Solo attorney · 4 yrs · 735 · 24-mo bank statement
Four years into a solo personal-injury practice, this attorney's income arrived in lumps: months of modest hourly work punctuated by settlement…
Investor (DSCR)
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Airbnb host · 3 yrs · 725 · DSCR
Three years of hosting two cabins had produced strong platform income — and tax returns engineered to show very little of it, with depreciation…
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Investor · duplex · 700 · DSCR, no income docs
This investor had a W-2 job but had already used much of their personal debt-to-income capacity on their own home. Adding a rental on a…
Newcomer / visa
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E-2 investor · 3 yrs · 730 · bank statement
Three years after moving to the U.S. on an E-2 visa and building a cleaning-services company, this investor had a thriving business, one renewal…
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H-1B newcomer · 2 yrs US credit · conventional
This engineer arrived on an H-1B visa, had a Social Security number, and built a U.S. credit file over two years to a 730 score. As a W-2 employee…
Self-employed
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Farmer · 5 yrs · 715 · conventional (add-backs)
Five years into running the family operation, this farmer's two most recent Schedule Fs showed net income of $9,000 and $31,000 — numbers that…
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Insurance agent · 6 yrs · 745 · conventional
Six years in, this independent property-and-casualty agent had built a renewal book that paid roughly $88,000 a year before any new sale — plus…
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Real-estate agent · 1099 · 3 yrs · 700 · bank-stmt
This agent earned strong but lumpy commission income — a few big months drove most of the year. Their tax returns, reduced by marketing, vehicle,…
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S-corp consultant · 3 yrs · 760 · conventional
This consultant ran their practice as an S-corp, paying themselves a $90,000 W-2 salary and taking the remaining profit as K-1 distributions. Many…
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W-2 + side business · 2 yrs · 720 · conventional
This borrower had a stable W-2 job and a profitable 1099 side business. They expected the side income to boost their application — but learned it…
These composite scenarios follow the program rules published in these sources.