Proof of Earnings Packages
Built for self-employed and mixed-income earners.
Combine a self-employment income statement, contractor income report, and supporting stubs into one package that answers "where does your money come from?"
Who it's for
- Self-employed applicants
- Freelancers with multiple income streams
- Gig workers stacking platforms
What's included
- Self-employment statement
- Contractor income report
- Supporting pay stubs
- Aggregate summary
What it proves
- Total earning power across every income source
What this document actually is
Mixed-income earners get penalized twice: once for not having a W-2, and again for having earnings scattered across five different platforms. A proof-of-earnings package tells the story reviewers can't assemble on their own — here's the consulting P&L, here's the 1099 report, here's the part-time W-2, here's the total. It is the document that lets a landlord or underwriter say yes to someone who looks messy on paper but earns plenty.
When people reach for this document
You have a day job and a consulting side business
The stubs prove the day job; the P&L proves the side income; the aggregate proves you can afford the lease.
You drive rideshare, deliver, and freelance
Three platform statements are hard to read. One package with a summary line makes it a five-second decision.
You're a contractor with one big client and want to prove diversification
A package showing the anchor client plus three smaller ones addresses concentration risk before the reviewer raises it.
What the delivered document looks like
- Cover page with the aggregate monthly income figure
- Self-employment P&L for the period
- Contractor income report itemizing platforms/clients
- Any supporting W-2 stubs
- Combined into one indexed PDF
What reviewers check
- Aggregate figure sums correctly across all components
- No double-counting between the P&L and the contractor report
- Concentration (single-client >50%) is disclosed on the cover
Questions specific to proof of earnings packages
What if my income varies month to month?
The package should include a 6- or 12-month window with monthly rows. Reviewers care about average and floor, not that every month is identical.
Can I include a spouse's income?
Yes, as a labeled section. Keep individual earnings separated for reviewers who run per-borrower calculations.
Do I need to include tax returns?
Not in the package. Reviewers who want tax returns will ask; the package should be one document, not a stack.