See how portfolio size, loan amount, term, haircuts, down payment, and reserves interact for Indiana asset depletion buyers.
How Much Money for an Asset Depletion Loan? | 2MG
See how portfolio size, loan amount, term, haircuts, down payment, and reserves interact for Indiana asset depletion buyers.
How Much Money for an Asset Depletion Loan?
What Drives the Number
Indiana Buyer Framing
Planning Checklist
Ways to Reduce the Asset Base You Need
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Frequently Asked Questions
Find Out If Your Portfolio Supports Your Target Price
How portfolio size, loan amount, term, haircuts, down payment, and reserves interact — realistic framing for Indiana buyers without promising exact approval amounts.
Your required portfolio size is a function of several moving parts — not a fixed dollar threshold every investor shares.
A Carmel retiree buying a $600,000 primary home with 25% down needs a very different asset base than a Zionsville buyer financing a $350,000 condo with Social Security already covering part of the payment. Loan amount, term, and compensating income all shift the math.
Rough rule of thumb: after haircuts, down payment, and reserves, your remaining depletion base divided by loan term in months should produce enough monthly income to keep total DTI within program limits — typically alongside property taxes, insurance, and any HOA on Indiana properties.
Ryan & Steve model your file against multiple investors before you shop — so you know whether your current portfolio supports your target price range or whether adjusting term, down payment, or loan amount makes more sense.
This is educational guidance only. Pre-approval requires a full review of your assets, credit, and property — no exact dollar amount is guaranteed here.
Strategic adjustments can make a borderline file work — without overstating what you can afford.
Related asset depletion guides and Non-QM resources from Ryan & Steve.
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