What Is an Asset Depletion Loan? | The 2 Mortgage Guys

An asset depletion loan is Non-QM financing that turns liquid net worth into qualifying income for Indiana retirees and high-net-worth buyers.

What Is an Asset Depletion Loan? | The 2 Mortgage Guys

An asset depletion loan is Non-QM financing that turns liquid net worth into qualifying income for Indiana retirees and high-net-worth buyers.

What Is an Asset Depletion Loan?

How Asset Depletion Loans Work

At a Glance

Asset Depletion vs. W-2 vs. Conventional

When Asset Depletion Non-QM Fits

Keep Exploring

Frequently Asked Questions

Ready to Qualify on Your Liquid Assets?

Non-QM financing that turns liquid net worth into qualifying income — built for Indiana retirees and high-net-worth buyers when pay stubs and tax returns do not tell the full story.

Instead of proving income with W-2s, pay stubs, or two years of tax returns, asset depletion underwriting asks a different question: what monthly income can your liquid net worth support over the life of the loan?

Lenders identify eligible cash, brokerage, and retirement accounts, apply program haircuts to reflect liquidity and market risk, subtract required reserves and down payment, then divide the usable balance by the loan term in months. That figure becomes monthly qualifying income for DTI — without requiring you to sell everything at closing.

Ryan & Steve match your file to the right Non-QM investor — some programs count retirement at 70%, others weight brokerage differently, and reserve rules vary by loan size and occupancy.

Guidelines vary by investor, credit, and loan amount. This overview is educational — your file is reviewed against current product rules.

See how asset-based underwriting compares to traditional employment income and agency qualifying paths.

Asset depletion financing shines when your portfolio tells a stronger story than your tax return or paycheck.

Related asset depletion guides and Non-QM resources from Ryan & Steve.

2MG Daily

Recent articles on asset depletion financing, Non-QM options, and retiree qualifying.

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Ryan & Steve will review your portfolio and credit profile against current asset depletion guidelines before you apply.

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