For Self-Employed & 1099 Earners

You Earn Well.
No W2 Shouldn't
Mean No Apartment.

Freelancers, business owners, contractors, and gig earners with high income but bad credit or rental history — approved through corporate leasing. We sign the lease. Your 1099 status doesn't come up.

Check If You Qualify — Free Call (415) 404-7112
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No W2 required
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Bad credit accepted
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Evictions OK
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All 50 states
$0
Credit check on you
50
States served
2.5×
Income requirement
7–14
Days to placement
Who We Serve

Your Income Is Real.
The System Just Can't See It.

Standard apartment screening was built for employees with W2s and steady paychecks. It was never designed for business owners, freelancers, or contractors — even the highly successful ones. Corporate leasing bypasses that system entirely.

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Freelancers & Contractors
Designers, developers, writers, consultants, and creatives with consistent client income and no traditional employer.
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Business Owners
LLC and S-Corp owners who pay themselves distributions or minimal salary — high business income doesn't show up on personal W2s.
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Gig Economy Workers
High-earning rideshare drivers, delivery contractors, and platform workers whose 1099 income is strong but unrecognized by standard screening.
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Content Creators
YouTubers, streamers, podcasters, and influencers with significant platform and brand deal income that doesn't fit traditional employment documentation.
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Real Estate Investors
Investors whose income comes from rental income, flips, or wholesale deals — verifiable but non-traditional, and often paired with credit challenges from past deals.
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Commission-Based Earners
Sales professionals, insurance agents, mortgage brokers, and others whose variable income makes landlords nervous despite strong annual earnings.
The only requirement: Verifiable income of 2.5× the monthly rent. Bank statements, business financials, Schedule C, 1099s, client invoices — any documentation that proves what you actually earn is accepted. You don't need a W2. You don't need a traditional pay stub. You need income that we can verify.
Income Verification

We Accept Every Way
The Self-Employed Get Paid.

Every document below is accepted as income proof. You need at least one — preferably two — showing consistent earnings of 2.5× or more of your target monthly rent.

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Bank statements (3–6 months)
Business or personal — shows consistent deposit patterns
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IRS Form 1099-NEC or 1099-MISC
From any client or platform — documents your contract income
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Schedule C (Federal tax return)
Self-employment profit from your most recent filed return
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Profit & Loss Statement
Business P&L prepared by you or your accountant
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Client Contracts or Invoices
Active contracts showing ongoing recurring income
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Platform Income Statements
Stripe, PayPal, Uber, DoorDash, YouTube — earnings exports from any platform
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Business Bank Account Statements
LLC or S-Corp business account showing revenue deposits
Common Questions

Answers for
Self-Employed Renters.

Can I rent an apartment without a W2 if I'm self-employed?
Yes, through corporate leasing. When Luxe Corporate Living submits your rental application, the property screens our business entity, not you. Our company's financials, credit, and lease history are what they evaluate. Your W2 status, tax classification, and employment type are never requested in the corporate application process.
I have bad credit AND I'm self-employed. Can you still help me?
Yes. Both issues are resolved by the same corporate lease structure. The property never pulls your personal credit report, and they never ask for your employment classification. The only personal threshold is income: you need to show earnings of at least 2.5× the monthly rent through any combination of the accepted documentation types. Beyond that, our business is the applicant.
I had an eviction from a previous rental. Does that disqualify me?
No. Your personal eviction history does not appear in a corporate lease application. The property runs screening on Luxe Corporate Living — not on you personally. We have placed self-employed clients with multiple open evictions, including recent filings within the past 6 months.
My income is variable — it's high some months and lower others. Is that a problem?
We look at your average over the documentation period, not a single month's snapshot. If your bank statements show an average of 2.5× or more of the target rent over the past 3–6 months, you meet the income threshold. Seasonality and variable income patterns are common for self-employed earners and factored into how we present your financial profile.
How is this different from a co-signer or lease guarantee service?
A co-signer adds a second personal applicant — which still requires your personal record to go through screening. A lease guarantee service like Leap or TheGuarantors backs your personal application but doesn't remove your credit or eviction history from the process. Corporate leasing replaces the applicant entirely. Luxe Corporate Living is the primary tenant of record. Your personal background is never queried or submitted.
Apply Today

Your Income Qualifies You.
We Handle Everything Else.

Apply in under 10 minutes. A Relocation Specialist contacts you within 1 business day. No credit check during intake. All fees fully disclosed before you commit to anything.

(415) 404-7112 Start My Application — $499

Leasing@luxecorporateliving.info

Frequently asked questions

Can a self-employed person rent an apartment without W2s?

Yes. Through corporate leasing, Luxe Corporate Living submits your apartment application under our company name. The property screens our business — not your W2 or personal tax returns. Self-employed professionals and 1099 earners are approved daily. Bank statements, business financials, or tax returns showing 2.5x the monthly rent are all accepted as income verification.

Can a 1099 contractor get an apartment with bad credit?

Yes. Our corporate lease structure removes your personal credit score from the application process entirely. The property evaluates Luxe Corporate Living's business credit — not your individual FICO score. 1099 contractors with credit scores below 500 and prior evictions are placed regularly through our program.

How do self-employed people prove income for an apartment?

We accept bank statements showing consistent deposits, business profit and loss statements, Schedule C from your tax returns, 1099 forms, client invoices, or any combination that demonstrates verifiable income of at least 2.5x the monthly rent. You do not need a W2 or a traditional pay stub.

More answers on the program FAQs page.

Reviewed by Dr. Brandon Clark, PMP, Chief Executive Officer, Luxe Corporate Living. Last reviewed August 2026. Fee schedule, eligibility rules and placement timelines on this page match our program FAQs and are reviewed whenever they change. This is general guidance, not legal advice.