Asset Depletion Loans
Use eligible liquid or retirement assets to help establish qualifying income.
A financing strategy built for your goals.
When traditional income is modest but assets are substantial, certain lenders can convert eligible assets into a calculated monthly income for underwriting. We help assess which accounts may count and what reserves must remain.
At a glance
- Alternative qualifying-income method
- Can fit retirees and investors
- Asset type and access rules vary
How asset depletion loans work
How it is calculated
Lenders apply eligibility percentages or reductions, subtract required reserves, and divide eligible assets over a program-specific period.
Documents to prepare
Recent account statements and proof of ownership are typical starting points.
Compare the terms
The available loan amount, down payment, and pricing depend on the complete file and lender rules.
Who this may fit
Every situation is different. This program can be a useful starting point for:
- Retirees
- Clients living on investments
- Borrowers between careers
Neev can help you compare it with other available options using your actual income, assets, property, and goals.
Questions about asset depletion loans
Do retirement accounts count?
Some programs allow eligible retirement assets, often with different treatment based on age and access.
Must I spend the assets?
Many programs use them for qualification rather than requiring them to be spent, but reserves and access rules apply.
Let's explore your asset depletion loans options.
You'll get a real conversation, clear tradeoffs, and a financing plan shaped around your goals.