I learned a hard lesson on a loan last year, I had a borrower that was self-employed for the last 2 years but another company was self-employed for 3 years. I took that loan as a non-QM with a higher rate. The borrower had another broker run it and required only 1 year's return and he qualified which lost me the deal. He would not have qualified for the 2 year's returns. A hard lesson learned and always have the loan run to see if you get just one year's return.

Having one Year's return makes it less complicated less documentation and fewer questions

Simplification is the best route to take and exploring all options

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