Brokerage and investment accounts typically count for asset depletion—often at higher usable % than retirement. See what qualifies.
Can Investment Accounts Be Used for Asset Depletion? | 2MG
Brokerage and investment accounts typically count for asset depletion—often at higher usable % than retirement. See what qualifies.
Can Investment Accounts Be Used for Asset Depletion?
Why Brokerage Accounts Fit Asset Depletion
Typically Eligible
Investment vs. Retirement Haircuts
Documentation for Investment Accounts
Keep Exploring
Related Blog Posts
Frequently Asked Questions
Ready to Qualify on Your Brokerage Balance?
Yes — brokerage and investment accounts are a core qualifying source for Non-QM asset depletion, often at higher usable percentages than retirement plans.
Investment accounts are liquid, statement-verified, and usually free of early-withdrawal age penalties. That makes them one of the cleanest inputs for the asset depletion formula: apply any required haircut, subtract down payment and reserves, then divide by loan-term months.
Stocks, bonds, mutual funds, ETFs, and money market holdings inside a taxable brokerage are the most common eligible positions. Joint accounts work when all owners are on the loan — or when the program allows co-borrower assets.
Ryan & Steve review recent statements for large transfers, margin liens, and restricted shares before matching you to an Indiana Non-QM investor.
Guidelines vary by investor, credit, and loan amount. This overview is educational — your file is reviewed against current product rules.
Brokerage often stretches further than retirement because usable percentages are higher — which can lower the total portfolio you need.
Clean brokerage paperwork keeps underwriting focused on math — not missing statements.
Related asset depletion guides and Non-QM resources from Ryan & Steve.
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