Yes. With a documented history on the 1099 side, a lender can stack it on top of your full-time W-2 income. Two years of self-employment history is the norm (a one-year history can sometimes work on a strong file), and each income stream gets documented and averaged on its own. The part that surprises people is how the 1099 income gets counted. Lenders qualify you on the net income from your tax returns, essentially what lands on your Schedule C after the lender's cash-flow analysis, never the gross on the 1099. Say a rideshare driver brings in around $70,000 gross but writes off gas, insurance, tires, and vehicle upkeep. The usable qualifying income is what's left after those deductions, and most people write off aggressively to shrink their taxable income. That's the trade-off to understand before you apply: the same deductions that lower your tax bill also lower the income a lender can count. The cleanest way to see what actually qualifies is to have your returns reviewed directly, which is part of what we do in the free Roadmap conversation.