Asset Depletion Loans for Real Estate Investors
Use Your Assets — Not Your Income — to Qualify
Convert your savings and investments into loan eligibility.
Asset depletion loans are ideal for investors, retirees, and high-net-worth individuals who have substantial assets but limited traditional income. Instead of relying on W-2s or tax returns, lenders calculate a monthly income based on your asset portfolio.
Get matched with an experienced asset-based lender in 60 seconds.
Why Choose an Asset Depletion Loan?
Built for borrowers with strong balance sheets but complex income profiles.
- No traditional income verification required
- Use bank accounts, investment portfolios, and retirement assets to qualify
- Ideal for self-employed, retired, or recently exited entrepreneurs
- Can be used for primary homes, second homes, or investment properties
- Loans up to $5 million, with flexible underwriting
Use Case Example: A retired investor with $2M in brokerage and retirement accounts but no W-2 income was able to qualify for a $900,000 loan by using asset depletion formulas — turning their net worth into qualifying monthly income.
How Asset Depletion Loans Work
Lenders estimate your monthly “income” by dividing your total liquid assets by a fixed term (e.g., 120 or 360 months). The calculation may differ depending on asset type:
- Cash/Bank Accounts: 100% value used
- Retirement Accounts (e.g., IRA/401k): 60–80% of value if under age 59½; 100% if over
- Brokerage Accounts: 70–85% of total value used
Example: $1.2M in assets ÷ 120 months = $10,000/month qualifying income
To qualify, you typically need:
- 680+ credit score
- 20–30% down payment (or equivalent equity)
- Verifiable asset documentation (bank and brokerage statements)
Who Are Asset Depletion Loans For?
- Retirees with no active income but significant savings
- Entrepreneurs who recently sold a business or exited a company
- Self-employed professionals with fluctuating or tax-optimized income
- Investors living off rental income or capital gains
- High-net-worth individuals with minimal W-2 earnings
Use Case Example: A self-employed consultant with a large cash reserve and minimal reported income was able to purchase a second home using asset depletion underwriting — avoiding the hurdles of traditional DTI-based qualification.
Asset Depletion Loan FAQ
Bank accounts, brokerage accounts, retirement funds, and in some cases trust assets or annuities.
No. It is a fully documented loan based on assets. You must provide valid statements, but no tax returns or pay stubs are required.
Yes. Many lenders allow this loan type for investment use, though some may require higher reserves.
Typically within 21–30 days once assets are verified.
There’s no universal number, but most lenders want assets equal to at least 1.5x the loan amount.
Get Matched with a Lender in 60 Seconds
We connect you with experienced lenders who understand complex income profiles.
Fill out the form below to see if you qualify. No credit impact. No income documentation required.
Secure. Fast. Personalized for your financial profile.
Want to Learn More First?
- What Is an Asset Depletion Loan?
- How Asset-Based Lending Helps Real Estate Investors
- Compare Asset Depletion vs Bank Statement Loans
