Obtaining Mortgage as 1099 employee

[Chad Simmons]

Hello BP family!

My name is Chad Simmons and I’m in need of some help/advice..

Quick background: I recently graduated from Florida Tech in December. I know live in the Orlando area and have a job in orthopedic sales. Because I am in sales, I’m a 1099 employee, not a W2.. this has made trying to obtain a mortgage nearly impossible. I don’t have the luxury of having a family member co sign. My girlfriend is in grad school full time and does not currently have a job. I make plenty of money, have excellent credit, etc. but none of that matters unfortunately.

I’m all in on real estate! I do not want to rent for for a year or two. My girlfriend and I want to buy our first home, have roommates to offset mortgage, repeat. I was wondering if there are loop holes or other unconventional financing options for people in my position.

If you’re in the Orlando area and want to meet up and talk real estate (maybe once all this craziness is over) please feel free to reach out to me! I appreciate everyone’s time and advice in advance!

Chad Simmons