Lending In Flow.
Alternative income programs up to $4 million. Bank Statements, P&L Only, DSCR, Asset Depletion, and more. Built for broker partners who need a lender that understands their business.
NonQM Programs for Every Borrower.
We go beyond traditional income verification. Our NonQM programs are designed for borrowers that conventional lenders turn away.
Full Doc
Standard W-2 and tax return documentation for borrowers with conventional income who need NonQM flexibility.
- W-2 & Tax Returns
- Up to $4M
- Competitive rates
Bank Statements
12 or 24-month personal or business bank statements. Perfect for self-employed borrowers and business owners.
- 12 or 24 months
- Personal or Business
- Up to $4M
P&L Only
Qualify using a CPA-prepared Profit & Loss statement — no bank statements required.
- CPA-Prepared P&L
- No bank statements needed
- 12 or 24 months
Asset Depletion
Convert liquid assets into qualifying income. Ideal for retirees and high-net-worth borrowers.
- Liquid assets qualify
- Retirement accounts
- No income required
DSCR
Debt Service Coverage Ratio loans for real estate investors. Qualify based on property cash flow.
- No income docs
- 1-4 & 5-9 Units
- Short-term rental friendly
NonQM 2nd Mortgage
Stand-alone second mortgage programs using NonQM income types.
- Alternative income OK
- Behind existing 1st
- Flexible terms
Meet RVR AUS
River is our proprietary automated underwriting engine — purpose-built for NonQM. No black boxes. A simple "Pre-Check" Approval. Just fast, intelligent decisions that let you move at the speed of your clients.
Instant Decisions
Get approval, suspension, or denial decisions in seconds — not hours.
24/7 Availability
Run scenarios any time of day, any day of the week.
Clear Conditions
Get clear, actionable conditions with every decision.
From Scenario to Closing — Fast.
Become An Approved Broker Partner
Don't worry you can submit without being an approved broker. We just need broker approval prior to funding. Complete our quick broker approval package. We'll verify your license and get you set up — typically within one business day.
Submit a Scenario
Enter your borrower's details into River AUS. Our engine evaluates income type, LTV, FICO, and property type in real time. Of course you can always reach out to one of our expert NonQM Account Executives.
Get an Instant Decision
RVR delivers Pre-Check approval, suspension, or denial in minutes — with clear conditions so you know exactly how to proceed.
Close and Get Paid
Submit your loan package, work with your dedicated AE, and close. We move fast so your clients don't wait.
Built for Broker Partners.
Aquam Lending was built from the ground up with one goal: to be the NonQM wholesale lender that brokers actually want to work with.
We Lend in Flow
Our processes are built around your speed. Fast underwriting. Fast decisions. Fast closings.
Broker-First Culture
Every process, every tool, and every program is designed to help you win more business.
Consistent Guidelines
No surprise overlays. No last-minute changes. Our guidelines are clear and consistent.
Dedicated Support
Every broker partner gets a dedicated account executive who knows your book of business.
Up to $4 Million
Jumbo NonQM to high-balance investment properties. We go where conventional lenders won't.
Nationwide Lending
We lend across the country. Whether your borrower is in CA, TX, FL, or anywhere in between.
Ready to Close More Loans?
Join broker partners across the country who trust Aquam Lending to close their NonQM deals — fast and clean.
Loan Limits & Guidelines
A high-level overview of our program parameters. Contact your account executive for full guidelines and scenario-specific pricing.
| Program | Max Loan | Income Type | Min FICO | Max LTV | DSCR | 2nd Mtg |
|---|---|---|---|---|---|---|
Full Doc | $4,000,000 | W-2 / Tax Returns | 620 | 90% | ||
Bank Statements | $4,000,000 | 12 or 24 Mo Stmts | 620 | 90% | ||
P&L Only | $4,000,000 | CPA P&L Statement | 620 | 85% | ||
Asset Depletion | $4,000,000 | Liquid Assets | 640 | 80% | ||
DSCR (1-4 Units) | $4,000,000 | Property Cash Flow | 620 | 80% | ||
DSCR (5-9 Units)NEW | $4,000,000 | Property Cash Flow | 640 | 75% | ||
NonQM 2nd MortgageNEW | Contact Us | All NonQM Types | 640 | 85% CLTV |
* Parameters shown are general guidelines. All loans subject to full underwriting review. Contact your AE for complete program details.
Ready to Partner with Aquam?
What You Get as a Partner
- Access to RVR AUS — instant NonQM decisions
- Dedicated account executive support
- Competitive wholesale pricing
- Full program guidelines & rate sheets
- Scenario desk for complex files