Yes—W-2 or self-employment income can often stack with asset depletion for Non-QM DTI. See when Indiana buyers use both.
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Asset Depletion Loans
Combine with Employment Income
Yes — many Non-QM programs let you stack W-2 or self-employment income with calculated asset depletion so your DTI reflects both your paycheck and your balance sheet.
Asset depletion is not only for fully retired buyers. High-net-worth professionals, business owners, and households with large brokerage or retirement balances often pair documented wages with depletion income when conventional DTI is tight.
The employment side follows that investor’s wage or self-employed rules. The depletion side still applies haircuts and a term divisor to eligible liquid assets. Together they form total qualifying income.
Ryan & Steve compare a stacked Non-QM file against conventional, bank-statement, and 1099 options so you do not over-document — or leave usable income on the table.
Guidelines vary by investor, credit, and loan amount. This overview is educational — your file is reviewed against current product rules.
When combining employment income with depletion makes sense.
Expect standard employment documentation for any wage or self-employed income you want counted, plus full asset statements for the depletion calculation.
We build a side-by-side so you can see whether stacking, assets-only, or another Non-QM program is the cleaner approval path.
Employment + depletion checklist
— Pay stubs / W-2s (or self-employed income package)
— 2–3 months of brokerage and retirement statements
— Cash accounts for down payment and reserves
— Government ID and signed application
Related asset depletion guides and Non-QM resources from Ryan & Steve.
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Ryan & Steve will compare a stacked file against assets-only and other Non-QM options for your Indiana purchase or refinance.