Yes, you need steady income, and no, it does not have to be a W-2. Self-employment, 1099 contract work and cash income all count. Our team does a basic verification of what you earn, such as bank deposits or invoices, and that is the whole check: there is no credit pull and no bank underwriting behind it.
As of October 8, 2026: 119 homes in 25 states, down payments from $10,000 to $60,000.
Income that keeps arriving and covers the monthly payment. W-2 wages count. So does self-employment, 1099 contract work, and cash income you can show a record of. Household income counts together, so a spouse or partner buying with you adds to the picture. What matters is that the money comes in month after month, not what form it takes or who signs the check.
A conversation and a few documents. Our team will usually ask for recent bank statements that show your deposits, invoices or pay records from your work, or pay stubs if you have them. There is no tax-return underwriting file, no list of conditions to clear and no underwriter at the end of it. Our team tells you exactly what they need for your situation, and it is usually things you already have.
Yes. Cash income is accepted with basic verification. The easiest proof is a few months of deposits into a bank account; receipts, a ledger of jobs or a letter from the people you work for can help too. A bank usually cannot count cash income it cannot trace through tax returns. We can, as long as we can see that it is steady.
Enough to carry the monthly payment comfortably along with the rest of your bills. There is no debt-to-income formula. Every listing shows its monthly payment, and on the homes available today monthly payments run from $700 to $3,955, so you can match your income to a home before you call. A larger down payment lowers the monthly payment on the same home.
No. A bank usually wants two years of tax returns for self-employment income. We look at whether your income is steady now, through recent deposits and records, not at a lookback window. There is no credit check either: qualification is a down payment and steady income, and closing can happen in as little as 14 days.
Browse live owner-finance inventory, or tell our team your budget and where you want to live. No credit pull, no obligation.
Verification is basic, and our team tells you up front what they need from you. For most buyers that is bank statements or pay records.
Yes. Household income counts together.
Tell our team. Income that is steady from now on matters more than what you earned two years ago.