First Time Home Buyer Needs Advice

[Harrison Hodson]

Hi BiggerPockets community!  Thanks for being so awesome!

My name is Harrison, my girlfriend and I are thinking of moving to Portland, OR.  I have a remote job, so I can work from anywhere, and we'd like to plant some roots as soon as we can! 

I make about $4,200 per month (gross) as an independent contractor (1099) for an international company.  Really, I am an employee that makes the same amount each month, but because of the international relationship between my employer and me, I am a 1099 instead of a w2. From what I know, I will need to have a two-year work history to get a loan for a house.  I will only be coming up on one year of work history when I would like to buy a home (Spring 2020).  And if its 2 years of tax returns, I'd have to wait even longer because I started my current job in April of 2019 (leaving out 3 months of income to show).

I don't want to throw money down the drain by renting an apartment until I can get approved for a loan in 14-30 months. 

I have a phenomenal debt to income ratio and my credit is 760.  

Is there anyone out there that would give me a loan for a house?  Seller financing??  Help!

Thank you so much!

With gratitude,

Harrison H.