See which assets count for asset depletion—cash, brokerage, retirement at reduced %—and common exclusions.
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Asset Depletion Loans
What Assets Can Be Used for Asset Depletion?
Cash, brokerage, retirement at reduced percentages — and the assets lenders typically exclude from depletion income.
Most asset depletion programs count liquid and semi-liquid accounts — each at a program-specific haircut percentage.
Haircut percentages are illustrative. Exact usable amounts vary by investor and account type.
These assets typically do not count toward depletion income — or require special handling.
Lenders typically request two to three months of statements for each eligible account — showing account holder name, institution, and current balance. Retirement accounts may need additional documentation confirming borrower ownership and access.
Ryan & Steve review your account list before underwriting to flag excluded assets, verify haircuts, and confirm enough usable liquidity remains after down payment and reserves.
If a significant portion of your net worth sits in excluded categories, we explore whether liquidation, gift funds, or an alternate Non-QM path makes more sense for your Indiana purchase.
Asset documentation checklist
— 2–3 months statements for each eligible account
— Account ownership matching borrower name on the loan
— Retirement account statements with current balance
— Explanation for any large recent deposits or transfers
Related asset depletion guides and Non-QM resources from Ryan & Steve.
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Ryan & Steve will review your portfolio and identify eligible assets against current investor guidelines.