Alternative Income Purchase Loans: Flexible Mortgage Solutions for Unique Earners
Your Income Is Real—Even If It’s Not Traditional. This Loan Recognizes That.
Today’s workforce is evolving—and mortgage guidelines are finally catching up. If you’re self-employed, semi-retired, or earning income outside of a normal salary, Alternative Income Purchase Loans let you qualify based on how you actually get paid.
Whether it’s bank statements, 1099s, P&Ls, or assets, we’ll structure a loan that works with your lifestyle—not against it.
What Is an Alternative Income Mortgage?
An Alternative Income Loan is a type of Non-QM (Non-Qualified Mortgage) designed for borrowers who earn good money but don’t show it through W-2s or tax returns.
These loans allow you to document income in creative, accurate ways, including:
- Bank Statements (12–24 months of deposits)
- 1099s (independent contractors)
- Profit & Loss Statements (CPA-prepared)
- Asset Depletion (for retirees or high-net-worth)
Rental Income or DSCR models (for investors)
Alternative Income Loan Calculator Block
Estimate your purchase power and payment using non-traditional income.
[Alt Income Loan Calculator Widget Placeholder]
- Bank deposits / 1099 income
- Down payment
- Interest rate
- Estimated monthly payment
- Max purchase price
Not sure which format fits best? Apply here and we’ll build your custom plan
Who Are These Loans Built For?
Perfect for:
- Self-employed professionals
- Gig workers and freelancers
- Realtors and business owners
- Retirees with assets but no active income
- 1099 earners or people with large bonuses
- Real estate investors
These loans aren’t subprime—they’re just non-traditional, and we know how to navigate them for you.
What Are the Common Guidelines?
- Credit Score: 620+ (some programs require 660+)
- Down Payment: 10%–25%
- DTI: Evaluated based on alternative documentation
- Reserves: Often 6–12 months of PITI
- Loan Amounts: Up to $5M+ depending on profile
Want to see what you qualify for? Schedule a Discovery Call
Popular Loan Types Within This Category
Loan Type | Use Case | Docs Required |
Bank Statement Loan | Self-employed | 12–24 months deposits |
1099 Loan | Contractors/freelancers | 12–24 months 1099s |
P&L Only Loan | Business owners | CPA-prepared profit & loss |
Asset Depletion Loan | Retirees/investors | Asset balances, no income |
DSCR Loan | Investors | Property cash flow only |
Explore all of them on our Non-QM Loan Hub
Global CTA Block: Let’s Qualify You Differently—And Intelligently
[Alternative Income Calculator] – Estimate what you can afford
[Download the Alt Income Loan Guide] – Your full overview of options
[Apply Now] – Start your alternative income pre-approval
[Schedule a Custom Income Review] – Let’s structure your file for success
[Spin-to-Win] – Earn preapproval bonuses or rate credits
[Which Loan Fits You?] – Take the 60-second discovery quiz
Ideal placement: after the qualification section and again post-table.
Final Word: If You’re Making Money, You Shouldn’t Be Penalized for How You Make It.
We’re not here to put you in a box—we’re here to build a bridge between your income and homeownership. Let’s design a loan around your life.
Book Your Alternative Income Strategy Session Now
Ready to Take Your First Step?
Skip the guesswork. Take our quick Discovery Quiz to uncover your top financial priorities, so we can guide you toward the wealth-building strategies that fit your life.
- Takes just 5 minutes
- Tailored results based on your answers
- No credit check required
Need a Pre-Approval Letter—Fast?
Buying a home soon? Complete our short form and we’ll connect you with the best loan options for your target property and financial situation—fast.
- Only 2 minutes to complete
- Quick turnaround on pre-approval
- No credit score impact
Got a Few Questions First?
Let’s talk it through. Book a call and one of our friendly advisors will be in touch to guide you personally.
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