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.
| Account type | Typical usable % | Why it matters |
|---|---|---|
| Taxable brokerage | 70–100% | Liquid, no age penalty |
| Cash / checking | Often 100% | Fully liquid reserves |
| 401(k) / IRA | 60–70% | Market + access haircut |
| Crypto / private equity | Often excluded | Liquidity & valuation risk |
Clean brokerage paperwork keeps underwriting focused on math — not missing statements.
Two to three months showing account number, owner name, and market value for every brokerage used in the calc.
Borrower or co-borrower names must match the loan. Trust or LLC titles need extra vesting proof.
Transfers in or out near application get documented so underwriters do not treat them as unstable funds.
Cash leaving the brokerage for down payment cannot also create depletion income — we allocate pools first.
Related asset depletion guides and Non-QM resources from Ryan & Steve.
How 401(k), IRA, and Roth balances count at reduced haircuts.
Full eligible-asset list, haircuts, and common exclusions.
Haircuts, divide-by-term math, and monthly DTI income.
Full program hub and application steps.
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Yes — brokerage accounts holding stocks, bonds, mutual funds, ETFs, and similar marketable securities are among the strongest asset types for Non-QM asset depletion. Many programs count them at 70–100% after confirming liquidity and ownership.
Usually yes. Money market balances often count near 100%. Certificates of deposit may count at a high percentage, though early-withdrawal penalties can reduce usable value on some investor overlays.
Cryptocurrency and illiquid private investments are often excluded or heavily reduced. Asset depletion works best with publicly traded, statement-verified accounts.
Assets already pledged as collateral or held in a margin arrangement that restricts liquidity are typically excluded. We flag encumbered accounts before underwriting.
Ryan & Steve will apply current investment haircuts to your statements and show what monthly income they support.