<prompt> Human: Some people dont succeed in life, and Ive come to peace that Im one of those people. Im fine with that. But, things have been going better for me as of late, and its time to replace my car.Im 33, and make about 1,000 a month at my part-time job San Diego, USA. I have caught a few breaks recently; namely a great deal on a room at 450mo, and even better, self-employment income in the form of app-based delivery driving.Its not Uber or Lyft, but its close: Postmates, Grubhub, etc. Its food delivery. Specifically, my cars not suitable for passenger use. I wouldnt pay to take a ride in it either. Fortunately, these app services allow me to be something akin to being a freelance pizza driver, and its done great things for me. Ill even say its saved my life. Now, my aforementioned car wouldnt last forever, so I had been saving to get a new one. Moreover, Im single and live rather leanly with a great rent for the area; and Im also debt free. No college loans, etc. and the old cars been paid off. Because of this, Ive been building credit by living off my credit card and paying in full every month; as of today, Experian has me at an 819 FICO score and over 800 for the past three months.So, Ive been shopping for loans before looking for the car, starting about a month or so ago. Namely, credit unions in the area. The routine has become the same: application looks great with my 1600mo and 450 rent I was asking to finance 5,000-8,500, with 1,500 down. Can you provide pay stubs? Sure, I present my pay stubs, covering 1k of the 1600. What about the rest? Well, heres my 1099s for the one app I drove for the last 2 years at about 300 a month, I added another app 6 months ago that has doubled my income. No 1099s available yet.Youre declined.Ive heard variations of the reasons why, but some lenders wont even look at my 1099s. One even demanded entire tax returns for the last two years. I tried to get an explanation as to why the 1099s werent enough, and I was told that these didnt count as proof of income...theyre fucking 1099s from the businesses that paid me for my work!In another case, I was asked if I took deductions on my 1099 income. Sure I did, the standard mileage deduction is very generous. But because taking a deduction supposedly makes the income not count, Im now declined.One even got rather far, and I picked out a car last week, signed for it, put the down payment down and drove it off the lot. I was told that I needed to report to the credit union in question to open a small account trivial, but expected. Upon appearing we went through the same rigamarole: your paystub doesnt cover all of your income and all of your other income doesnt count. In fact, thats where were at now. I got this word from the credit union today, and Im going to call the dealer tonight to see what I can do about this. The car I thought I boughts in the driveway. The old ones stashed at my parents house, and Im quite glad it hasnt sold yet.Anyway, the question is the title. I have credit, I have income, and I have documents to prove it. How do I get lenders to count my income as income and give me the loan I otherwise qualify for? EDIT: Fortunately, this may end well. Ive called the dealer as mentioned above, and he seems confident that he can sell the contract to another lender. A higher interest rate may occur, but I should be okay with that.Assistant: 1099s are not income, they are revenue receipts. You could have spent 15,000,000 earning 15,000,001 and come out with 1 in income. They want to see the 1040 to determine your income.Human: I took standard deductions on that income; the IRS standard mileage deduction. It reduces the income to zero both years. Because I did that, Im now out of luck regarding this income?  <response>: If your income is zero, then you didnt make any money. Youre confusing business income and business expenses with normal 1040 income, which is zero as you said. 