Asset depletion Non-QM often allows mid-40% to low-50% DTI. See how calculated income affects Indiana approvals.
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Asset Depletion Loans
DTI Ratio Allowed
Many asset depletion Non-QM programs allow DTI in the mid-40% to low-50% range — with calculated asset income (and any stacked benefits) as the denominator.
Debt-to-income still compares monthly housing and other debts to qualifying income. On asset depletion, that income is engineered from eligible liquid assets after haircuts and a term divisor — not from a W-2 average alone.
Caps vary. Mid-40% to low-50% is a common band; stronger credit, lower LTV, and deeper reserves can unlock higher DTI on some investor sheets.
Ryan & Steve model payment, debts, stacked SS or wages, and asset income together so you know whether to reduce loan size, pay down revolving debt, or size a larger portfolio.
Guidelines vary by investor, credit, and loan amount. This overview is educational — your file is reviewed against current product rules.
When the ratio is tight, these levers usually help first.
Numerator: proposed PITIA plus other monthly debts (installments, revolving minimums, alimony as applicable). Denominator: depletion income plus any allowed stacked income.
We run the math with your real statements so the DTI you see at pre-approval matches underwriting — not a marketing estimate.
DTI modeling checklist
— Asset statements for the depletion calc
— Credit report debts and housing payment
— SS / pension / wage docs if stacking
— Target purchase price and down payment
Related asset depletion guides and Non-QM resources from Ryan & Steve.
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Ryan & Steve will run the haircut and divisor math against your debts so you know the ratio before you shop.