im selfemployed and on my 1099 is $ 44,137.00. do the lenders look at whats on my 1099 or whats left after my taxes and biz expenses? started doing my taxes online (late as hell) and when i put in biz expenses it showed me grossing $ 22k. the loan im applied for needs me to gross around $ 40k. if i dont write off biz expenses ill have to pay $ 16k in taxes. i can def afford the mortgage because ive got other unclaimed income.