None of them are typically enforced extremely strictly.

I have found they have better deals and have less strict underwriting.

Again, it's very strict.

Because I'm strictly 1099 since Feb and most loans require you to have 2 years of tax returns or a guarantor. 

For example, if you have tenants leaving every 12 months because you charge top of the market rents and have very strict difficult to meet qualifications causing you to take 3 months to fill the vacancy your vacancy rate will be HIGH!

Peter this is a lot to unpack and here are just a few things you need to look at, there are many more so just take this as a first step overview1. how many investors will there be2. what is the investment % of each person3. are you going to have each person as a equity partner or some equity, some just strictly investors being paid a determined amount for their investment4. depending on the above answers you could simply go with an LLC but depending on the answers you may actually need to go into a Partnershipyou are for sure on the right thought pattern though as you need to have a lot of these questions answers before you can move forward and you will need to have all parties agreeing to the terms.

This may be a business decision they've made. 506(b) has a limit of up to 35 Non Accredited investors, which means some sponsors set a higher or more strict minimum investment for Non Accredited investors.

Are you asking for strictly just the COI or are you asking for you/your business to be listed as additional insured and certificate holder or anything else special? 

However, some lenders have overlays, which are more strict qualification requirements over what the VA requires. 

There are other loan programs that have different guidelines (usually more strict) that can be explored if any challenges arise.