Pay Stubs for Self-Employed Workers
Income documentation for freelancers, contractors, and sole proprietors who don't run formal payroll.
No employer issues you a pay stub when you're paid on 1099s, run a sole proprietorship or take owner draws, but lenders and landlords still ask for proof of income. These articles cover how a self-employed stub differs from a W-2 stub, what underwriters check it against, where self-employment tax fits, and how to keep your stubs consistent with your tax return.
Articles and tools in this topic
Self-Employed Pay Stub: Why You Need One
When self-employed workers need pay stubs, what makes one credible to lenders, and how to document irregular income.
Proof of Income for Freelancers and the Self-Employed
Every document a reviewer might ask for: tax returns, bank statements, P&Ls, CPA letters, 1099s, and what rentals, loans, immigration, and courts each weigh.
Self-Employed Mortgage Pay Stub Requirements (2026)
How underwriters read self-employed income: Fannie Mae and Freddie Mac averaging, the FHA one-year exception, 4506-C transcripts, DTI math, and P&L rules.
W-2 vs 1099: The Difference for Pay Stubs
Why W-2 and 1099 income produce different stubs, different tax records, and different verification files.
Pay Stubs for Gig Workers: Uber, DoorDash, and Instacart
Documenting gig-economy income with pay stubs that combine multiple platforms into a coherent earnings record.
Freelancer pay stubs
The Paystub Pilot freelancer landing page — features, templates, and pricing for self-employed workers.
1099 contractor pay stubs
Contractor-tailored pay stub templates with self-employment tax handling built in.
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