Find loans that will work for this scenario: Income Type: 1099 Only (1 year)

You have many non-QM loan options that accept 1099 Only (1 year) income documentation. Most lenders offer programs for primary residences, second homes, and investment properties, with a variety of loan purposes (purchase, refinance, cash-out, and second liens).

Below is a summary of eligible programs by lender. For best results, please provide more details (property type, loan purpose, loan amount, state, credit score, etc.) to further narrow your options.

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Program Comparison Table

Lender	Program Name(s)	Eligible Property Types	Loan Purposes	Key Highlights
AmWest	Advantage One, Advantage ITIN, Advantage Program	Primary, Second, Investment	Purchase, Refi, Cash-Out	1099 Only (1 year) accepted; some require P&L/tax transcripts; ITIN for non-citizens
A&D Mortgage	Super Prime, Prime, Closed-End Second Lien	Owner-Occ, Second, Investment	Purchase, Refi, 2nd Lien	1099 Only (1 year) accepted; min FICO 620; residual income reqs
Angel Oak	Bank Statement	Primary, Second, Investment	Purchase, Refi, Cash-Out	1099 Only (1 year) accepted; flexible for self-employed
Arc Home	Elite Alt Income, Access Clean Slate, Edge Plus Alt Income, Edge Alt Income, Access Alt Income	SFR, Condo, 2-4 Units (varies)	Purchase, Refi, Cash-Out	1099 Only (1 year) accepted; some programs for recent credit events; LTV/FICO varies
Champions Funding	Activator – FULL & ALT-DOC, ITIN Activator, Ambassador Second Home, Accelerator - FULL & ALT DOC	1-4 Unit, Condo, Townhome	Purchase, Refi, Cash-Out	2 yrs self-employment often required; 10% expense ratio for 1099
Change Wholesale	Alt Doc Prime, Alt Doc Advantage, Alt Doc Expanded, Alt Doc Express	SFR, Condo, 2-4 Unit, Modular, Rural	Purchase, Refi, Cash-Out	10% expense factor; YTD pay stub or 3 mo. bank stmts; up to 90% LTV (primary)
Deephaven	Non-Prime, Expanded Prime	Primary, Second, Investment	Purchase, Refi, Cash-Out	1099 Only (1 year) accepted; Non-Prime more flexible on credit
NQM Funding	Flex Supreme, Select ITIN, Flex Select, Flex Select Express DU Option, 2nd Lien	SFR, Condo, 2-4 Unit, Co-op, Condotel, Manufactured	Purchase, Refi, Cash-Out, 2nd Lien	1099 Only (1 year) accepted; Flex Supreme not for investment with 1099
Loan Stream	Core NonQM, Closed End & Concurrent Second Mortgages	Most residential, 2nd lien	Purchase, Refi, Cash-Out, 2nd Lien	1099 Only (1 year) accepted; 2nd lien may require 2 years 1099s

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Key Takeaways

• All lenders above offer at least one program for 1099 Only (1 year) income.
• Property types and loan purposes are broad, but some programs have specific restrictions (e.g., investment property, ITIN borrowers, second liens).
• Documentation and expense factor requirements vary. Most require the most recent 1099, sometimes a YTD pay stub or bank statements, and may apply a fixed expense ratio.

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Next Steps:
To get the most accurate match, please provide:

• Property type (SFR, condo, 2-4 unit, etc.)
• Loan purpose (purchase, rate/term refi, cash-out, second lien)
• Loan amount
• Property state
• Credit score
• Occupancy type (primary, second home, investment)

Would you like more details on a specific lender or program, or help narrowing down based on your scenario?