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1099s are for trade or business reporting (although you can always file a 1099 even if it is not required).

 

If you receive mortgage interest of $600 or more in the course of your trade or business, you are subject to the requirement to file Form 1098, even if you are not in the business of lending money.

 

See https://www.irs.gov/pub/irs-pdf/i1098.pdf