The FCC until last year allowed consumers to self-certify, without requiring documentation, that they met federal poverty guidelines.

WSJ: Millions Improperly Claimed U.S. Phone Subsidies

Consumers could self-certify, and in many states documentation wasn't required.

WSJ: Millions Improperly Claimed U.S. Phone Subsidies

Banks are requiring more financial documentation from all buyers, but because of the variability in their income streams, self-employed borrowers tend to get a more thorough look.

WSJ: Qualifying for a Mortgage Is Harder for the Self-Employed