Recs for Lenders or Options for Self-Employed Borrower with Less Than 2 Years Inc.

[Daniel Baran]

-Looking for second house hack in Denver metro; have sufficient capital, credit and net-worth but cannot qualify traditionally b/c of income situation

-Left seven-year higher income finance job in 2024 and have been part time 1099 contracting in 2025 so income won't be strong enough to qualify for something meaningful in Denver

-However may be taking on new contracts that would be equivalent of 200k per year annualized but they are shorter term arrangements (3-6 months)

-I don't want to wait two years for this sort of income to qualify, I'm also considering going back to W2 in 2026 but would like to fully explore what my options are now. Figure I would need a nonQM loan, DSCR does not interest me as I don't want to lock in 20% down. Please reach out with any recommendations for lenders to speak to or other things for me to think about!