Asset depletion converts your investment portfolio, retirement accounts, and liquid assets into qualifying monthly income — no employment, no W-2, no tax returns required.
Asset depletion — also called asset dissipation or asset utilization — is a method of calculating qualifying income by spreading eligible assets over a set term. Instead of asking "what do you earn?", the lender asks "what do you have?"
The assets don't need to be liquidated — they stay invested. We simply use the value to demonstrate capacity to repay the loan. Retirement accounts are typically discounted (e.g., 70%) to account for taxes and penalties; liquid brokerage accounts often count at 100%.
Asset depletion can also be combined with other income types — rental income, Social Security, pension, part-time consulting — to maximize your qualifying amount.
2–3 months of statements for brokerage, bank, and retirement accounts. Shows current balance and ownership.
Alex calculates eligible assets by account type — applying appropriate discount factors for retirement accounts and illiquid assets.
Eligible assets divided by loan term (typically 360 months) yields monthly qualifying income. Combined with any other income sources.
Asset depletion guidelines vary significantly by lender. We identify which wholesale lender's methodology produces the strongest qualifying income for your specific asset mix.
Alex runs the numbers same day — telling you exactly what you qualify for before you put in an offer or commit to a timeline.
Discount factors vary by lender and program. These are representative ranges — Alex will calculate your specific eligible amount.
Liquid bank accounts. Most accessible asset type for qualifying purposes.
Taxable investment accounts — stocks, bonds, ETFs, mutual funds. Must be liquidatable.
Pre-tax retirement accounts. Discounted to account for early withdrawal taxes and penalties where applicable.
Vested but unexercised stock options may be included at current intrinsic value depending on lender and documentation.
Assets held in revocable or irrevocable trusts — with appropriate trust documentation confirming access and control.
Social Security, pension, rental income, part-time consulting — all can be combined with asset depletion to maximize qualifying power.
Program guidelines vary by lender and are subject to change. All loans subject to underwriting and lender approval. Not a commitment to lend.
Alex reviews every file personally. Schedule a call and get direct answers.
Send Alex your account statements. He'll calculate your qualifying income across lenders and tell you exactly what's possible — same day.