What income documentation is required to be approved?

Divvy needs to verify your income in order to give you a budget so you can begin shopping for a home. We ask that you provide documentation showing your income for at least the last 6 months.

Salary/Hourly Pay: 

  1. Most recent pay stub (must be within 30 days)

Independent Contractor: 

  1. Last year’s 1099-Misc
  2. Most recent pay stub or pay invoice (must be within 30 days)
    1. We will also accept 6 months of most recent pay invoices or bank statements

Self-employed: 

If your business was established more than 12 months ago:

  1. Current year Personal Tax Return* which includes:
      1. 1040
      2. Schedule C or Schedule E and K1 (if applicable)
  2. 6 most recent months of bank statements

If your business was established less than 12 months ago:

  1. Profit and Loss Statement
  2. 6 most recent months of bank statements 

*If you have not filed for the current year’s taxes, then we will accept the previous year’s tax return.


Child Support: 

  1. Court order documents or child support ledger from the state with 6 recent months of proof of payment
  2. 6 most recent months proof of payment

Alimony: 

  1. Court order documents 
  2. 6 most recent months proof of payment

SSI or VA Benefits: 

  1. Most recent Benefits Letter (must be within 1 year), Year end SSA-1099, or Year end 1099-R

New Job within the last 6 months:

  1. Last pay stub from previous job
  2. Most recent pay stub from current job

On each document, ensure that your name, employer name, pay dates, and amounts are clearly and legible.

If you are having difficulty understanding what documents are required, please contact our Customer Support Specialists at support@divvyhomes.com.