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.
Add eligible accounts or reduce haircut impact by shifting into more favorable asset types when possible.
Add Social Security, pension, or employment income when the investor allows stacking.
More down payment, shorter term, or a modestly smaller purchase price can drop DTI without more assets.
Clearing a car loan or revolving minimums shrinks the numerator and can save a borderline file.
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
Related asset depletion guides and Non-QM resources from Ryan & Steve.
Haircuts, divide-by-term math, and monthly DTI income.
Mid-600s floors and how FICO affects pricing.
Portfolio size vs. loan amount, term, and reserves.
Full program hub and application steps.
2MG Daily
Recent articles on asset depletion financing, Non-QM options, and DTI qualifying.
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Many Non-QM asset depletion programs allow DTI in the mid-40% to low-50% range, with some investors stretching higher when credit, LTV, and reserves are strong. Exact caps are investor-specific.
Eligible liquid assets are haircut, then divided by a term (often 60–360 months depending on the program) to create a monthly income figure. That income — plus any stacked SS or employment income — is used in DTI.
Indirectly yes. A lower payment or higher stacked income reduces the depletion income required, which can shrink the asset base needed after haircuts.
Some investors emphasize residual cash flow in addition to (or instead of) a strict DTI cap. We confirm which test your investor uses before you apply.
Ryan & Steve will run the haircut and divisor math against your debts so you know the ratio before you shop.