Strong Assets, Lower Income? Use Your Assets to Qualify for Your Mortgage.
If you're self-employed, semi-retired, or living off savings and investments, you don't need a traditional paycheck to qualify. Use an asset depletion Non-QM loan to turn your assets into qualifying income—with competitive rates, fast approvals, and flexible underwriting.
Nationally Licensed Broker • Equal Housing Lender
"You've Built Wealth—But Traditional Lenders Treat You Like You're Broke"
Maybe you:
- Sold a business and are living off the proceeds
- Are retired or semi-retired with substantial savings and investments
- Have strong reserves but are between ventures or contracts
- Keep taxable income low for smart planning
On paper, you might not show much monthly income, but you do have meaningful assets:
- Savings and checking balances
- Brokerage and investment accounts
- Retirement funds
- Liquid reserves
Yet traditional lenders often say:
"We don't see enough income to qualify you."
The result?
- You're told to get a job or change your entire income structure
- You're declined for a home or investment you can clearly afford
- You feel penalized for being financially responsible and building assets
There's a better way: qualify based on the assets you already have.
Asset Depletion Non-QM Loans: Turning Your Assets into Qualifying Income
An Asset Depletion Loan (also called asset-based) allows you to qualify for a mortgage by using your assets instead of traditional income documents.
In simple terms:
- •We look at your total qualifying assets
- •Spread them over a set number of years
- •Treat the resulting monthly amount as your qualifying income
No paystubs. No W-2s. Minimal focus on tax returns.
Just a clear view of your financial strength.
With our asset depletion Non-QM programs, you get:
Competitive rates for strong asset positions
Fast approvals once assets are documented
Flexible underwriting for non-traditional income situations
Up to 100% gift funds allowed for down payment and, in many cases, closing costs
What Is an Asset Depletion Loan (in Plain English)?
An Asset Depletion Loan is a Non-QM mortgage that uses your savings and investments as the basis for qualifying income instead of relying mainly on job or business income.
We ask:
"If we spread your assets out over time, what would that look like as a monthly amount?"
That monthly amount is then used as your income for qualifying purposes.
Who Is an Asset Depletion Loan Ideal For?
- Retirees or early retirees with strong savings/investments
- Business owners who recently sold a company
- Investors living primarily off investment or rental income
- High-net-worth individuals with modest current income
- Self-employed borrowers who keep taxable income low but maintain substantial reserves
If your balance sheet looks better than your paystub, this loan is built for you.
What Counts as "Assets"?
Depending on the specific program, qualifying assets can include:
Checking and savings accounts
Brokerage accounts (stocks, bonds, mutual funds)
Retirement accounts (401(k), IRA, etc.), often with adjustments
Money market and other liquid accounts
We'll walk you through which accounts count, how much, and how they're calculated, in plain language.
How Asset Depletion Works (Simple Example Language)
While every program is a bit different, the idea is similar:
- We total your qualifying assets
- Apply any required adjustments (for example, using a percentage of retirement accounts)
- Divide that number by a set number of months (like 240, which is 20 years)
- The result is your monthly qualifying income
You're not required to actually withdraw those funds on that schedule.
It's a calculation method, not a withdrawal plan.
Asset Depletion Loan Highlights
- Qualify based on assets instead of paycheck income
- Great for primary homes, second homes, and investment properties
- Especially suited for retirees, high-net-worth, and asset-rich borrowers
- Competitive rates for strong credit and asset profiles
- Up to 100% gift funds allowed for down payment and sometimes closing costs (per program guidelines)
Why Asset Depletion May Be Your Best Path to Approval
You've done the hard work of saving and investing. An asset depletion loan finally gives those efforts the weight they deserve.
Competitive Rates for Strong Asset Profiles
Even though this is a Non-QM product, strong borrowers often receive competitive, market-based rates. As a nationally licensed broker, we shop multiple Non-QM lenders, match your credit, assets, and property type to suitable programs, and work to find terms that respect your financial strength.
Fast Approvals Once Assets Are Documented
Once we have your asset statements, we can move quickly. Many clients see a credit decision in as little as 24–48 hours after submitting a complete file.
Flexible Underwriting for Non-Traditional Income
Traditional underwriting expects stable employment and predictable paychecks. Asset depletion underwriting is designed for variable or minimal taxable income, retirees who stopped "working" but still have substantial means, and business owners between ventures or shifting roles.
Up to 100% Gift Funds Allowed
Many asset depletion programs allow up to 100% gift funds for your down payment and, in some cases, closing costs. This helps you preserve investments and reserves while still moving ahead on the property you want.
From Assets on Paper to Keys in Hand – In 5 Simple Steps
We've designed the process to be clear and low-stress.
Quick Scenario Review(5–10 Minutes)
We'll discuss whether you're buying, refinancing, or investing, your approximate price range or loan amount, what kinds of assets you have, and your timeline and goals.
Asset Snapshot & Strategy
We'll help you understand which accounts can be used as qualifying assets, whether you have enough to meet typical thresholds, and how your assets could translate into qualifying income.
Secure Upload of Asset Statements
You'll securely upload recent statements for bank accounts, investment/brokerage accounts, and retirement accounts. We'll verify balances, apply program rules, and calculate your asset-based monthly qualifying income.
Underwriting & Pre-Approval Letter
With your asset-based income calculated, we structure the loan with competitive rates and submit your file to Non-QM underwriting partners. You receive a pre-approval letter that reflects your financial reality—not just your job status.
Lock Terms & Close Smoothly
Once you're ready to move forward on a property, we lock in your terms, coordinate appraisal, title, and closing details, and communicate clearly so there are no surprises.
Honest urgency note:
Market conditions and guidelines change over time. Getting pre-approved now with your current assets gives you more control when the right opportunity appears.
Asset-Rich Clients Who Qualified Without a Traditional Paycheck
"We're retired with solid savings but low taxable income. Traditional lenders kept saying no. With asset depletion, our portfolio finally counted and we were able to buy our forever home."
— S. & M., Retired Couple
"After selling my business, I took time off. I had cash and investments, but no steady paycheck. The asset-based loan let me qualify without having to rush into a job I didn't want."
— J., Former Business Owner
"Most lenders only cared about what I earned last year. This program looked at the assets I've built over 20 years—and that made all the difference."
— L., Real Estate Investor
*Testimonials are illustrative examples of typical client experiences. Actual approvals and terms depend on credit, assets, property, and specific program guidelines.
Nationally Licensed Broker • Equal Housing Lender
Frequently Asked Questions About Asset Depletion Loans
Ready to Let Your Assets Work as Hard as You Did to Build Them?
You've spent years building savings, investments, and reserves.
An asset depletion Non-QM loan lets those assets open doors—literally.
Secure online form • No obligation • Fast answers once your assets are reviewed