Shark Desk — Non-QM Scenario Search

Enter the deal and Shark reads every Aquam Pod matrix — Coast, Porto, Cove, Lago and Rio — and tells you which programs take it, at what LTV, and what has to be true. Describe anything unusual and the underwriting guidelines get read too, with a citation on every claim.

1. Lien position

2. Transaction

3. Property value

4. LTV

Fill in either this or the loan amount — the other follows when you leave the box.

5. Loan amount

6. Documentation

7. Occupancy

8. Property type

9. State

10. FICO

Enter 0 for no credit score — the foreign-national grids take it.

11. DTI

12. Borrower status

13. Recent credit event

14. Reserves (months PITIA) optional

First-time homebuyer First-time investor Short-term rental income Interest-only Declining market (per appraisal)

What's funky about this file? optional — blank means the matrices only, and an instant answer

Worth mentioning: a family member living in the property · borrower lives rent-free · recently listed or withdrawn from market · LLC with a low-score partner · unusual or unreported income · gift funds · non-warrantable condo · recent job change

Every numbered field is required except reserves and months since event.

Aquam Funding, a DBA of JLD Capital · NMLS #2610804 · For licensed mortgage professionals only, not for distribution to consumers. Results are read from the current Aquam Pod matrices and underwriting guides and are not a commitment to lend; the matrix and guideline control.