re: Financing a house as a 1099 (self-employed)

When I first started my business it used to anger me that my employees could easily get house loans with W-2s we issued but I had to jump through bunches of hoops as a business owner.

Perhaps you should look for a short term loan from a community bank. I am sure there is one happy to make you a renewable 12 month loan.

As your income history improves as a contractor you will be able to get conventional financing.