[quote=nostradamus]I think our fico score and bank history go a long way to get a loan. 1099 is perfectly acceptable.[/quote]

In my case I don’t have a 1099, just sweat equity.
I could have probably set myself up much better by paying myself to build the two houses, thus increasing my cost basis against future capital gains. I could have taken advantage of my breeding years for tax deductions on that income while paying into social security.Then I would look great to lenders and they would give me tons of cheap and easy money.Bwaaaaah!My tax guy is fired.