Estimate monthly qualifying income from cash, brokerage, and retirement assets for Non-QM asset depletion loans.
Asset Depletion Calculator | The 2 Mortgage Guys
Estimate monthly qualifying income from cash, brokerage, and retirement assets for Non-QM asset depletion loans.
Asset Depletion Calculator
Calculate asset depletion income
Eligible assets & haircuts
Cash to close & reserves
Loan term & other income
How this calculator works
Want a real underwrite?
Non-QM · Income Tool
Estimate monthly qualifying income from liquid assets — apply haircuts, subtract cash to close and reserves, then divide by your loan term.
Formula
(Assets × haircuts − down − closing − reserves) ÷ months
Defaults match a common Indiana retiree scenario. Haircuts vary by investor.
Typical defaults: cash 100%, brokerage 70–100%, retirement 60–70%.
Loan term
Your results will show here
Enter balances and haircuts, then hit Calculate to see monthly depletion income.
Estimated qualifying income
/ mo
Asset depletion only · / year
After down payment, closing costs, and reserves, no assets remain for depletion. Lower cash to close, add assets, or adjust haircuts.
Estimate only — investor haircuts, eligible accounts, and reserve rules control the final income figure. You typically do not liquidate accounts at closing.
Ryan and Steve will run your statements against current Luminate Bank Non-QM haircuts before you make an offer.
- setTermYears(y)} className= style= > years
- setError('')} className="mt-2 text-xs font-semibold text-red-200 underline transition-all active:scale-[0.98]">Dismiss
- Calculate income
- Reset
- window.open(APPLY_URL, '_blank', 'noopener')} className="inline-flex items-center justify-center px-4 py-3 rounded-lg text-sm font-bold text-[#020617] transition-all duration-200 active:scale-[0.98]" style= >Get Pre-Approved