How is there not a company specializing in mortgages for people who don’t have 3 years of W2’s? Some of the situations I’m seeing in the threads below seem lik

How is there not a company specializing in mortgages for people who don’t have 3 years of W2’s? Some of the situations I’m seeing in the threads below seem like no-brained, low risk loans that would be free money to a bank. If it’s a question of modeling risk, is it purely a function of banks not having the tools to model non-W2 earnings? The whole thing seems absurd, but there has to be a reason for it. Regulation? Past financial crisis? Fat and happy banks loaning to W2’s? Wealthier people not needing mortgages?