Qualify Buyers Who Show Little Income

You meet a buyer with a lot of money in investments but a tax return that barely shows income. Traditional guidelines shut the door.

What if their portfolio could qualify them?

The program:

Asset Depletion loans turn a client's savings and investments into usable income.

Think checking, savings, stocks, bonds, and retirement accounts (with certain adjustments).

Here's the big picture:

• Can be combined with other income.

• Typically uses 3–6 months of statements.

• Common formula: (eligible assets – required reserves/cash to close) ÷ 84 months for non-QM.

• For conventional, formulas vary:

  • Freddie uses 240 months.

  • Fannie ties it to the loan term with specific LTV and age guidelines.

Perfect Client Fit

• High-net-worth buyers who keep taxable income low.

• Retirees living off investments.

• Entrepreneurs who reinvest profits and don't draw big salaries.

• Anyone with significant verifiable liquid assets but limited W-2 income.

Why It Matters to You

• Your next luxury buyer, downsizing retiree, or self-employed investor could get approved using the wealth they already have.