Ryan Fuchs, Financial Planner
It depends (at least, somewhat) on what type of loan, the amount, your income, etc. So, it may not necessarily be "hard," but you may have to jump through a few extra hoops to prove income since you are self-employed.
For example, they will probably want to see your last two years of tax returns and will use the average income over those two years. Additionally, they may require you to do a YTD profit and loss statement showing that you are on track to achieve at least that level of income during the current year. I speak from experience because my wife (who is self-employed) and I are in the process of building a house and the lender wanted to see the above information for proof of her income.
Different lenders may have different ways they want you to prove self-employment income (though I suspect that they will all be relatively similar for the same types of loans), but as long as you have good records, it should not necessarily be any "harder" to get the loan than if you had the same income as an employee and could provide them with a W-2 and pay stubs.
Hope this helps and best of luck.
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