Estimate monthly qualifying income from cash, brokerage, and retirement assets for Non-QM asset depletion loans.
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Asset Depletion Loans
Asset Depletion Calculator
Non-QM · Income Tool
Estimate monthly qualifying income from liquid assets — apply haircuts, subtract cash to close and reserves, then divide by your loan term.
Formula
(Assets × haircuts − down − closing − reserves) ÷ months
Defaults match a common Indiana retiree scenario. Haircuts vary by investor.
Typical defaults: cash 100%, brokerage 70–100%, retirement 60–70%.
Loan term
Your results will show here
Enter balances and haircuts, then hit Calculate to see monthly depletion income.
Estimated qualifying income
/ mo
Asset depletion only · / year
After down payment, closing costs, and reserves, no assets remain for depletion. Lower cash to close, add assets, or adjust haircuts.
Estimate only — investor haircuts, eligible accounts, and reserve rules control the final income figure. You typically do not liquidate accounts at closing.
Multiply each account balance by its usable haircut percentage.
Add usable balances, then subtract down payment, closing costs, and required reserves.
Divide the remaining depletion base by the loan term in months.
Add any other documented monthly income for a total DTI figure.
Ryan and Steve will run your statements against current Luminate Bank Non-QM haircuts before you make an offer.