Yuck, I think you may be a bit stuck regardless of lender unless you go way far afield with the portfolio lender or some non-traditional loan route.
Basically if you're 1099 you need to show two years, if you're W2 you need to show two paystubs (yes they still want to see tax returns and they will ask questions, but 2 paystubs gets you in the door). I personally think it's kinda dumb, but it's not likely to change since the number of 1099 earners in our economy has shrunk in the last decade from a labor statistics perspective (too many labor lawsuits really killed the independent contractor in a bunch of fields).
If this were two years ago I'd say wait it out, but rates a year from now on something expensive like a mortgage hrm. It might be worth your while to try to find a specialized lender or loan product if you have the income and assets to support it, thing is likely will be somewhat more expensive rate wise and that might be similar to what we'll have rate wise in a year for a mainstream loan product, hard to say but other than time you don't really lose much trying to talk to some folks.
I don't have any leads on them, they exist, but they're not common. Some folks might have recommendations here, would help if you can disclose your assets and income and credit score as those of course are still going to be critical for getting a deal done.
Actually guess that wasn't as hard as I thought, Google has a slew just under "portfolio mortgage lenders" or "portfolio mortgage lenders <insert your state here>" haha.
