Find the Best Non-Agency Product for Your Investor Loans
We are proud to present an extensive offering of agency and non-agency products designed to meet your customer’s specific needs. Coupled with our best in class customer service, your client is sure to be satisfied.
Bayview Debt-Service Coverage Ratio (DSCR)
Agency Investor Plus
Agency AUS
Bank Statement
Bayview Debt-Service Coverage Ratio (DSCR)
Introducing the Debt Service Coverage Ratio (DSCR) product for both individual borrowers and LLCs. This product offers borrowers competitive terms for both short term and long term rental properties, with the underwriting heavily focused on the cash flow of the property.
- Minimum DSCR of 0.75
- Up to 80% LTV
- 30-yr fixed and interest rate only options
- Short term rental options
- Single property and multi-property options
- 620+ FICO
- Eligible borrowers include individuals or entities
Agency Investor Plus
Our newest and most creative product offering, Agency Investor Plus, offers borrowers a variety of solutions outside of what a typical Agency Investor loan can offer.
- Property can be vested in the name of an LLC
- Up to 85% LTV with no mortgage insurance
- More than 10 financed properties allowed
- Loan amounts greater than conforming loan limits
- 10-Year Interest-Only / Prepayment Penalty option to increase monthly cash flows
Agency PLS
Our Agency PLS product provides improved pricing relative to typical agency execution for eligible loans, and many more features to meet the needs of your investor and second home borrowers.
- AUS based underwriting
- Purchase LTV capped at 85%; 75% for Refinances
- Ideal product for interest rate conscious borrowers
- Borrowers with less than 10 financed properties eligible
Bank Statement
Bank statement is the newest addition to the Bayview Non-Agency suite of products. Several income doc options are available.
- Up to $3 Million Loan Amount
- 12 or 24 month bank statement options & 1099 income options
- LTV up to 80%
- Primary & Second Homes
- Credit as low as 640
- 30 & 40 year fixed rate & interest only options available
- Purchase, Rate and Term & Cash-out loans available
Why Choose Us?
1. Competitive Consistent Pricing
Put the power of one of the largest jumbo platforms to work for you.
2. Streamlined Solutions
The ease of Desktop Underwriter and Collateral Underwriter make our jumbo products radically simplified.
3. Fast Turn Times & Live Support
Dedicated underwriting and scenario resources get you and your borrowers what you need quickly.
Our Salesforce Offers Expertise and Nationwide Coverage to Answer All of Your Non-Agency Related Questions
All Agency products are offered through Lakeview Loan Servicing, LLC. NMLS #391521, 4425 Ponce de Leon Blvd, MS 5-251, Coral Gables, FL 33146. All Non-Agency/Jumbo products are offered through Community Loan Servicing, LLC. NMLS #2469, 507 Prudential Road, Horsham, PA 19044, Both are Equal Housing Lenders. All Programs referenced herein are offered to qualified residential lending institutions only and are not applicable to the general public and/or individual consumers. www.nmlsconsumeraccess.org
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