"unpredictable income" lending problems

[Gabe Kelley]

i am looking to make my first investment. Lenders get excited when I tell them I make 6 figures in 6 months and my credit bounces between 680-720. Then when we dig in I don't qualify for anything because I have never worked a job for more then a few months (I do specialty construction gig work). I bounce around between multiple W2s and 1099 MISC. I haven't been on a rental lease for 20 years. I have been in this industry for 10 years and make great money every year. Anyone have any suggestions? Thank you 🙏

-Gabe

P.S. I am interested in getting a home with rental income, a triplex or four plex would be ideal.

[Gabe Kelley]

Quote from @Jules Aton:

Do you have a decent down payment?  I've always held contracting type gigs also and haven't had any problem getting loans because I have remained in the same profession with consistent income and 20% down. 

I can put 20% down. I have been in the industry for 10 years. It seems lenders don't like that most of my income comes from various W2's. I never hold the same job for more than a few months. Though I work like a contractor, I do not own a business and my income looks "inconsistent" even though I have made over 100k 4 of the last 5 years and only work half the year.