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Alternative Income Product

Call us at 855-253-8439 to learn more about our loan programs and products


Our innovative Alternative Income product is perfect for smart investors who may not meet traditional income verification requirements. Alternative Income is a unique loan for clients who are looking to purchase or refinance, but do not fit QM loan requirements because they may be self-employed or have recently changed jobs.


Alternative Income is a comprehensive product designed for:

  1. Customers who have been self-employed for less than two years and can provide a record of their income
  2. Customers who have been self-employed for more than two years and have a more profitable recent year
  3. Customers who recently transition to commission or bonus-based income


Explore your options with Bayview Loan Servicing

  • Loan amounts up to $1,500,000
  • 680+ FICO
  • 85% LTV or less
  • 43% DTI or less
  • 15-year and 30-year fixed-rate
  • Competitive 5/1 and 7/1 low interest rate ARMs available
  • 6 or 12 month reserves
  • Eligible for non-warrantable condos, when primary or secondary residency
  • Second homes and investment properties permitted
  • Cash-out loans available
  • Gift funds permitted


Best for Customers…

Who may not meet traditional income qualification or documentation standards.

We make exceptions! Speak with your representative or contact and learn about the flexibility of our products.

To view the PDF version of the Alternative Income product page, click here.

Designed & Developed by Figment Design