Options for 800+ credit score 1099nec loan

I tried to get a home loan with my past 2yrs 1040s but since im 1099 and did a whole bunch of writeoffs prior looking for a home, broker said my only option now is bank statement or 1099 loan, he explained how the 1099 route is much simpler as with bank statements its a lot of paper work and can get messy, i got offered 10 percent down and does not have mortgage insurance,The Estimated monthly payment at the 7.99% rate was 2087.66, the estimate Cash to close was 36k.

I think im going to shop with another broker, my initial loan application was with wells fargo, but for them i used only my past 2yrs 1040s and they know im 1099, they already gave me a pre approval as well, i bit better than the brokers but waiting for them to contact me with the results from underwriting, most likely they will see my tax write offs too but im still optimistic lol.