Tax statements and bank deposits are what it sounds like you are looking for. Unfornetunly they will no longer do liar loans for a house anymore. Ah, the Clinton years.
There were no liar loans for houses. There were risky loan products dreamed up by the banking industry, loan products so risky and reckless the bankers stopped offering them. ...Loan originators were rewarded for pushing risky loan products onto unsuspecting borrowers when there FHA loans that would have served the consumer better. All applicants for mortgages are required to provide the same qualifying documents, and to lie on a loan application is a felony. I was there and I saw it firsthand )
I don't know what you're talking about. A self-employed individual has always had to provide proof of sufficient income in order to apply for and get a mortgage. Are you saying that the self-employed can no longer buy homes?