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.
Your portfolio can support the payment after haircuts, and employment or tax docs cannot. Ideal for retirees and asset-rich buyers.
W-2 or full-doc income already clears DTI at a better rate and LTV. No need to use Non-QM if agency works.
You are actively self-employed and deposits or 1099 forms show stronger income than liquid assets alone.
The property is an investment and rent covers the payment. Personal assets stay in reserve instead of driving income.
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
Related asset depletion guides and Non-QM resources from Ryan & Steve.
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It fits when you have substantial liquid assets but limited or hard-to-document employment income — retirees, investors, and high-net-worth buyers are classic profiles. You still need acceptable credit, equity, and reserves.
When tax returns or W-2 income cannot support the payment, but brokerage, retirement (with haircuts), and cash accounts can. Heavy write-offs and retirement are common reasons.
When you are actively self-employed and deposits or 1099 forms tell a stronger income story than liquid assets alone. We compare Non-QM paths before you apply.
On investment property where rental cash flow — not personal assets — should drive qualification. DSCR skips personal income docs when the debt-service ratio clears the threshold.
Ryan & Steve will compare your assets and income story against conventional and Non-QM options before you apply.