Typical credit, equity, reserves, and liquid asset guidelines for Indiana retirees and high-net-worth buyers.
Asset depletion Non-QM programs are built for liquid net worth — not W-2 employees with clean pay stubs who already qualify conventionally.
Enough eligible cash, brokerage, and retirement accounts — after haircuts — to support the loan amount, down payment, reserves, and monthly DTI target.
Mid-600s minimum on many programs, with sharper pricing above 700. Recent lates, collections, or bankruptcies may need seasoning.
Often 20–30% for primary homes; higher for second homes or investment properties. Larger equity reduces the asset base needed for income calculation.
Liquid assets equal to months of PITIA remaining after cash to close — separate from assets counted toward depletion income.
Retirees, HNW buyers, and those with low reported income but strong portfolios. Employment is often optional — guidelines vary by investor.
Ranges we see on Indiana retiree and HNW files — your exact numbers depend on the matched program.
Borrower types
Retirees, HNW
Low reported income with strong liquid portfolios
Credit score
Mid-600s+
740+ typically unlocks sharper terms
Down payment
20–30% common
Higher for investment or lower credit files
Reserves
3–12 months PITIA
May rise with loan size or multiple properties
Property types
1–4 unit residential
Primary, second home, and investment scenarios
Income docs
Account statements
2–3 months of statements for eligible accounts
All loans subject to credit and property approval. Program guidelines vary by investor and change without notice.
Recently retired professionals with 401(k) and IRA balances but minimal W-2 income. High-net-worth buyers relocating to Indiana with brokerage accounts and cash reserves. Business owners who sold a company and live off investments without traditional employment documentation.
Ryan & Steve review your account statements, credit profile, and target loan amount before you write an offer — so you know which Non-QM investor fits and what income number underwriting will use.
If asset depletion alone is thin, we compare bank statement, DSCR, and other Non-QM paths so you land on the strongest qualifying story.
Asset depletion qualification checklist
Related asset depletion guides and Non-QM resources from Ryan & Steve.
How asset-based Non-QM income calculation works and who it helps.
Haircuts, divide-by-term math, and monthly DTI income explained.
How portfolio size interacts with loan amount, term, and reserves.
Full hub with benefits, use cases, and application steps.
2MG Daily
Recent articles on asset depletion financing, Non-QM options, and retiree qualifying.
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Retirees, high-net-worth buyers, and borrowers with substantial liquid assets but minimal W-2 or tax-return income typically qualify when credit, down payment, reserves, and portfolio size fit program guidelines. Guidelines vary by investor.
Many Non-QM asset depletion programs start in the mid-600s, with better pricing above 700. Exact minimums vary by lender overlay, loan amount, and occupancy.
Asset depletion loans often require 20–30% down for primary residences, with higher equity common on second homes or investment properties. Larger down payments reduce the asset base needed for DTI.
Portfolio size depends on loan amount, term, program haircuts, down payment, and reserve requirements. Ryan and Steve run the math against current investor guidelines — there is no single universal minimum.
Ryan & Steve will review your portfolio, credit, and reserves against current asset depletion guidelines before you apply.