What are the Options for My Client?

[Kristian Kotov]

My Client has following Situation: 

1099 Worker; Same Profession the last 8 Years

2023 1099 Gross income $87,000

2022 1099 Gross Income $134,000 

Looking to buy a Condo, SF, or Multi-Fam, and rent out spare rooms & Apartments in the House. 

However, there's a loss on the 2023 Tax Returns, and Net Income is $45,000 in 2022 (Client has lots of writeoffs) 

What loans could I use that only consider:

- Bank Statements 

- 1099s 

- Credit Score 

Please contact me with options. Thank you.