You’ve done the work to build a portfolio and don’t want to liquidate (because hello taxes) but because you don’t have a “traditional” paycheck the bank says you don’t qualify.
YOU MIGHT BE HERE BECAUSE…
You're sitting on significant assets, investments, savings, retirement accounts but your monthly income on paper doesn't reflect your actual financial picture. Maybe you recently retired. Maybe you sold a business. Maybe you just don't take a salary the way a traditional borrower does. Those standard programs weren’t built for you.
Here’s What Surprises Most Folks
How This Works in Real Life…
Recently retired executive. Solid pension, Social Security, $1.8M portfolio. Wanted a lakefront property. Local bank said monthly income wasn't sufficient. We combined retirement income with asset depletion on the portfolio and documented $9,000+ per month in qualifying income. He bought the lakefront property without liquidating a thing.
Your Questions, Answered
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No. The assets just need to be documented with recent statements. They stay right where they are — invested, growing, untouched. We're using the existence of the assets to establish qualifying income, not the assets themselves.
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Checking and savings accounts (100%), brokerage and investment accounts (70%), IRA and 401(k) pre-tax (60% — or up to 100% if you're past RMD age, depending on the lender). Joint accounts typically count at 50% unless both account holders are on the loan. Business accounts may count with proper documentation.
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Yes — and this is often the strongest approach. Asset depletion income + Social Security + pension or rental income can qualify you for a significantly larger loan than any one source alone. We add them together and find the right lender for the combined profile.
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Most asset depletion programs require 680–720+. Strong credit typically means better rates even within this product category. Borrowers with 740+ generally see the most competitive pricing.
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Yes — in fact this is one of the most common scenarios. You may have 30+ years of W-2 history but no current income. Asset depletion doesn't require any employment history. Your balance sheet is the qualification, not your income history.
