Proof of Income for Gig Workers

Why gig income trips up rental and loan applications

Gig platforms treat you as an independent contractor, so what you get is a weekly or monthly earnings summary, useful for your own records, but not formatted like the pay stub a rental or loan application form expects. The income is just as real; the paperwork just doesn't match the template.

It's a genuinely large group of people running into this, though exactly how large depends on how you count. The narrowest government measure — people who used an app or platform to find work as their main job — put that at about 1% of workers in 2023. A broader measure — everyone counted as an independent contractor on their main job — put it at 11.9 million people, or 7.4% of total U.S. employment, the same July 2023 data. Either way, you're far from the only one hitting this wall.

What landlords and lenders actually accept

Some will take your app's earnings screenshot or exported summary as-is. Others explicitly require something in pay-stub format, often because their approval process, or a third-party screening service they use, is built to parse that layout specifically. Ask before you assume either way.

Turning your gig earnings into a pay stub

You enter your own earnings for the period, total or by platform, and GetMyStub formats it as a standard pay stub using the same contractor flow built for 1099 income, so it reflects payments received rather than employee withholding that was never taken out. If you specifically drive for Uber, see a full walkthrough for Uber drivers, or if you Dash, see a full walkthrough for Dashers covering which document to use for which situation. Driving for Lyft, Instacart, or Amazon Flex instead? Same idea, different platform quirks.

The part we don't fake

GetMyStub doesn't pull data from Uber, DoorDash, or any other platform, and it doesn't certify that the earnings you enter are accurate. That's on you. What it does certify, via the verification code printed on every document, is that the stub itself matches what was generated and hasn't been edited since.