Yes—documented Social Security can usually stack with asset depletion income for Non-QM DTI. See how Indiana retirees combine both.
Home
Asset Depletion Loans
Combine with Social Security
Yes — documented Social Security can usually stack with calculated asset depletion income, which may shrink the portfolio size you need to clear DTI.
Asset depletion creates a monthly income figure from eligible liquid assets after haircuts and a divide-by-term calculation. Social Security is separate documented cash flow — when both are allowed, underwriters add them for DTI.
That stack is powerful for Indiana retirees: a modest SS benefit plus a calculated depletion amount can clear a payment that either source alone could not support.
Ryan & Steve confirm gross vs. net treatment, COLA documentation, and whether pension or annuity income can join the same stack before you apply.
Guidelines vary by investor, credit, and loan amount. This overview is educational — your file is reviewed against current product rules.
Combining SS with depletion is a common retiree structure.
Bring a current Social Security award letter or benefit verification plus bank statements showing deposits. Asset statements still drive the depletion calc for every account used.
If you also receive a pension or annuity, add those award letters so we can model the full stack before picking an investor.
SS + depletion checklist
— Social Security award letter / benefit verification
— Bank statements showing SS deposits
— 2–3 months of brokerage / retirement statements
— Pension or annuity docs (if stacking more)
Related asset depletion guides and Non-QM resources from Ryan & Steve.
2MG Daily
Recent articles on asset depletion financing, Non-QM options, and retiree qualifying.
No related blog posts yet. Check back soon for the latest updates.
Ryan & Steve will model your award letter against your liquid accounts so you know the real DTI picture before you apply.