Asset Depletion and Asset Qualifier loan programs

Our Asset Depletion and Asset Qualifier loan programs are designed to meet the needs of clients with significant assets but limited income.


Turn assets into supplemental income with our simple calculations:

  • (Standard) Option 1: Assets ÷ 84 = Monthly Income
  • (Standard) Option 2: Assets ÷ 60 = Monthly Income
  • (Alt) Option 3: Assets ÷ 36 = Monthly Income
  • (Alt) Option 4: Assets-in-full equal to or greater than loan amount, no income calculation
Financial pie chart illustrating savings, investments, and assets.

Here are just some of the niches that are permissible under some of our Asset qualification loan products:

  • 50% of Bitcoin balances
  • 100% of IRAs and 401Ks (no age restriction)
  • No income docs or employment info required
  • Three different calculation methods
  • Up to 90% LTV (no MI)
  • Credit score down to 600
  • ARMs, Fixed rate, and Interest Only options
  • Up to 75% LTV for investment properties
  • Loan amounts to $4MM
Shiny gold Bitcoin coins on a dark surface.

Assets Income Calculator

See how much monthly income your qualifying assets represent under each program option.

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Liquid, verified assets available for qualification.
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Used by Option 4 (assets in full must cover the loan).
Calculation method
Monthly Income
$0
OptionRuleMonthly income
Option 1 Standard÷ 84—
Option 2 Standard÷ 60—
Option 3 Alt÷ 36—
Option 4 AltAssets ≥ loan—

Estimates only. Eligible assets, seasoning and program rules are confirmed during underwriting.

Purchase Affordability Calculator

For W2 Employees or Tax Returns Self-Employed

FHA Loan
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%
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Max Home Price

$0
Monthly Total$0
P & I$0
Taxes (1%)$0
Insurance (1%)$0
HOA$0
PMI (0.55%)$0

Key Features of Our Asset Qualification Loans

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Flexible Income Calculations

Choose from multiple methods to calculate your monthly income based on your assets.

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High Loan-to-Value Ratios

Enjoy up to 90% LTV for your primary residence and up to 75% for investment properties.

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No Income Documentation Required

Streamline your application process without the need for income or employment verification.

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Variety of Loan Types

Select from adjustable-rate, fixed-rate, or interest-only loan options that suit your financial strategy.

How to Apply for Asset Depletion Loans

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1. Assess Your Assets
Determine the total value of your assets that you can use for the loan application.
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2. Choose a Calculation Method
Select one of the income calculation methods that best fits your financial situation.
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3. Submit Your Application
Complete the application process online, providing necessary asset documentation.
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4. Review Loan Options
Discuss available loan options with our mortgage specialists to find the best fit.

Frequently Asked Questions

Who qualifies for Asset Depletion loans?

Individuals with significant assets and limited or no traditional income can qualify for these loans.

What types of assets can be used?

Eligible assets include cash, investments, retirement accounts, and even cryptocurrency balances.

Is there a minimum credit score requirement?

Yes, the minimum credit score required is 600.

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