Brokerage and investment accounts typically count for asset depletion—often at higher usable % than retirement. See what qualifies.
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Asset Depletion Loans
Can Investment Accounts Be Used for Asset Depletion?
Yes — brokerage and investment accounts are a core qualifying source for Non-QM asset depletion, often at higher usable percentages than retirement plans.
Investment accounts are liquid, statement-verified, and usually free of early-withdrawal age penalties. That makes them one of the cleanest inputs for the asset depletion formula: apply any required haircut, subtract down payment and reserves, then divide by loan-term months.
Stocks, bonds, mutual funds, ETFs, and money market holdings inside a taxable brokerage are the most common eligible positions. Joint accounts work when all owners are on the loan — or when the program allows co-borrower assets.
Ryan & Steve review recent statements for large transfers, margin liens, and restricted shares before matching you to an Indiana Non-QM investor.
Guidelines vary by investor, credit, and loan amount. This overview is educational — your file is reviewed against current product rules.
Brokerage often stretches further than retirement because usable percentages are higher — which can lower the total portfolio you need.
Clean brokerage paperwork keeps underwriting focused on math — not missing statements.
Related asset depletion guides and Non-QM resources from Ryan & Steve.
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Ryan & Steve will apply current investment haircuts to your statements and show what monthly income they support.