Asset depletion fits asset-rich buyers with limited employment income. See when it beats conventional or DSCR.
Home
Asset Depletion Loans
Is Asset Depletion Right for Me?
Choose asset depletion when liquid wealth can support the payment but traditional income docs cannot — and compare it honestly against conventional, bank statement, 1099, and DSCR before you apply.
Retirees, semi-retired professionals, and high-net-worth buyers with brokerage or retirement balances often clear Non-QM when W-2 or tax-return DTI fails. The program converts eligible assets into monthly qualifying income after investor haircuts.
It is usually not the first stop if you have strong W-2 income that already qualifies conventionally, or if a rental property\'s rent alone can clear DSCR.
Ryan & Steve run side-by-side scenarios so you pick the path with the best approval odds and pricing — not just the one with the catchiest name.
Guidelines vary by investor, credit, and loan amount. This overview is educational — your file is reviewed against current product rules.
The right program depends on how you actually get paid — and what you own.
Share asset statements, credit ballpark, and the purchase or refinance goal. We run depletion math next to conventional and other Non-QM options.
You leave with a recommended program — and a clear reason the others were set aside.
Decision checklist
— Liquid asset size after haircuts
— Employment / tax-return income strength
— Occupancy (primary, second, investment)
— Credit, equity, and reserve capacity
Related asset depletion guides and Non-QM resources from Ryan & Steve.
2MG Daily
Recent articles on asset depletion financing, Non-QM options, and choosing the right mortgage path.
No related blog posts yet. Check back soon for the latest updates.
Ryan & Steve will compare your assets and income story against conventional and Non-QM options before you apply.