Frequently Asked Questions
I work through GC relationships on Microsoft and Google data center projects â does that help my mortgage qualification?
Yes. If your GC relationships generate documented 1099-NEC income, a 1099 loan qualifies your gross earnings directly â no expense ratio applied, no Schedule C required. The durability of your GC relationships (working with the same GCs for multiple years on multiple projects) also signals income stability to underwriters.
Why do hyperscaler data center projects pay me more than regular commercial construction?
Hyperscaler campuses require specialized electrical and mechanical certifications, operate on aggressive completion timelines that create premium demand for immediately available licensed workers, and represent projects where construction delays cost the hyperscaler hundreds of millions in delayed revenue. The premium reflects urgency and specialization, not just scale.
Can I qualify for a mortgage based on income from a single major data center GC relationship?
Yes. A 1099 loan can qualify on income from a single GC source if the relationship is documented over 2+ years with consistent earnings. A second GC source strengthens the profile but is not required.
Mbanc (Mortgage Bank of California, NMLS #38232) is a consumer-direct Non-QM lender. This content is for informational purposes only and does not constitute a commitment to lend. All loans subject to credit approval.
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Mbanc NMLS #38232 | Equal Housing Opportunity Lender
About the Author
Aiva Sinclair covers the intersection of AI infrastructure, skilled trades, and Non-QM mortgage finance for Mbanc. Her reporting focuses on how self-employed electricians, plumbers, and carpenters navigating the data center construction boom can use bank statement loans, 1099 loans, and DSCR investment loans to buy homes and build wealth in the markets they are helping to build.
Contact: sales@mbanc.com | mbanc.com/non-qm-trades