Asset Qualifier Loan

At a glance

Use your assets — not your paycheck — to qualify. Asset depletion converts liquid wealth into qualifying income, with the option to combine with W-2 or bank-statement income for higher loan amounts.

Program highlights

• Loan amounts up to $3M
• Qualify using assets only or combined with income
• Asset requirement: 110% of loan amount + reserves
• Divide assets by 60 mo. (assets only) or 120 mo. (combined)
• No employment or income documentation required
• Primary, second homes, and investment properties eligible
• Available for SFR, condos, and 2–4 units
• Min 700+ FICO
• Asset depletion method used for income qualification

How funding works

1. Send a recent statement showing 110% of loan + reserves
2. Choose assets-only (÷60 mo.) or combined-income (÷120 mo.) path
3. We verify assets and order appraisal — no W-2s needed
4. Close in as little as 21 days

Worked scenarios

Recently retired couple, $2M brokerage

Borrower: Asset-only qualification, FICO 740

Property value: $1,000,000 · Loan amount: $750,000

Outcome: $2M ÷ 60 mo. = $33k qualifying income/mo. — easily supports the loan.

Self-employed founder, $1M assets + $180k income

Borrower: Combined Asset + W-2 path, FICO 720

Property value: $1,400,000 · Loan amount: $1,120,000

Outcome: $1M ÷ 120 mo. + W-2 → 80% LTV approval on a primary residence.

Why this program

Asset depletion converts a lump-sum balance into a synthetic monthly income — divide eligible liquid assets by 60 months (assets-only) or 120 months (combined with income).

Retirement accounts are typically counted at 60–70% of face value to discount taxes and early-withdrawal penalties.

This is the cleanest path for retirees, post-exit founders, and inheritors who have wealth but no W-2 — debt-to-income is calculated against the synthetic income, not the underlying balance.

Frequently asked

Do I need any income at all?

No — the assets-only path requires no employment or income documentation.

What counts as eligible assets?

Checking, savings, brokerage, and a discounted portion of retirement accounts you can access.

Can I use this for an investment property?

Yes, primary, second home, and investment properties are all eligible.