If you are going conventional, they will need 2 years of tax returns, no way around it.We will use your "net income" after all deductions for 2022+2023 and divide over 24 months.

Turned it from a cat-pee haven into a nice SFH. 

Excited to be a part of this group!

This would be short term and would not be afull time gig.

This might be my favorite color scheme.

Property is used as a short term rental.

Just starting my TN journey and I can tell this is gonna be a fun endeavor.

This is a great place to learn and to connect with people so take advantage of all the great resources.

Or do you also do this to HML at the very beginning?

If this was your first year getting a 1099, then there might be a small chance that you could get away with just this year's 1099.....HOWEVER, since you have been 1099'd for 2 years now, then the mortgage lender may request tax returns before extending a mortgage.