Hi MJY1966,
Welcome to the forum and thank you for joining..............
If this is the only property that you own...........you can try going through NACA instead to see if they are able to work with the income that you have and put together a modification proposal to present to the investor on your loan through Home Loan Services..............
click on the link for the info..........
https://www.naca.com/refinance/refinanceTenStep.jsp