Yes—retirees are a primary fit for asset depletion Non-QM. See how portfolios, Social Security, and pensions combine.
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Asset Depletion Loans
Can I Qualify If I'm Retired?
Yes — retirees are one of the strongest fits for asset depletion Non-QM. Your portfolio can create qualifying income when a traditional paycheck is gone.
Leaving the workforce does not have to end homebuying or refinancing. Asset depletion Non-QM converts eligible IRA, 401(k), brokerage, and cash balances into monthly DTI income — so underwriters look at your balance sheet, not a missing W-2.
Many retirees also bring Social Security, pension, or annuity income. Those streams can often be stacked with depletion income, which may shrink the asset base required to clear the payment.
Ryan & Steve structure retiree files for downsizers, second-home buyers, and homeowners who want to refinance without forcing a full portfolio liquidation.
Guidelines vary by investor, credit, and loan amount. This overview is educational — your file is reviewed against current product rules.
Asset depletion covers more than one retirement chapter.
Expect asset statements for every account used in the calc, plus award letters or 1099-R / SSA statements if you are stacking Social Security or pension income.
Photo ID, credit authorization, and a clear trail for down payment and reserves round out the file. We provide a retiree-specific checklist so nothing stalls underwriting.
Retiree checklist
— 2–3 months of brokerage and retirement statements
— Social Security / pension award letters (if stacking)
— 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 map your retirement accounts, Social Security, and reserves against current asset depletion guidelines.