My friend in Nevada needed two years to qualify for a rural house as a self employed person but I would think there are different lenders for different types of properties.

My husband is employed and of course our only source of income.

This vehicle designed for those who are self-employed or own a small business with earned income and no full time employees other than the owner and his/her spouse.

Social Security/Pension Awards Letter (if applicable) W2s and 1099s - Last 2 Years Personal Tax Returns - Last 2 Years Business Tax Returns - Last 2 Years with the K-1’s (if applicable) Bank Statements – Most recent 2 Months for all checking/savings/stock accounts (all pages) Bank Statements – Most recent Quarterly statement for all retirement accounts (all pages) For all properties owned (if applicable): Need most recent Mortgage Statement Need property tax bill (if property is located outside of the Bay Area) Need Homeowner's Insurance declaration page – showing annual premium Need documentation to show the HOA dues (if applicable) Need current lease(s) (if acquired within the last 2 years) Driver's License – a pic with your smartphone works great Divorce Decree (if applicable) Previous employment history covering the 2 most recent years Company/Position/Start Date/End Date Previous residence history covering the 2 most recent years Address/Start Date/End Date/Rent Amount

As Bill mentioned, lenders didn't take kindly to be self-employed in a "new" field even though the income was there.

The employer splits the check into 2 parts.

Any increase in the numbers that work out of the house will still be at the permission of the employer...and the employer will still want to have the employee capable of face to face.Also, what you describe could just as easily increase the number of urban tenants for the very same reasons you're thinking the opposite. 

Are you self-employed?

You will face a lot of rejection employing this strategy regardless of your level of experience. 

Are you employed?