Asset Depletion and Asset Utilization
Qualify on What You Own, Not What You're Paid.
Asset depletion programs convert what you've built (investments, retirement, savings) into qualifying income, no employer required.
How It Works
Eligible assets are counted and converted into a monthly income equivalent for qualification. The math is transparent, the positions stay invested, and the file underwrites to the balance sheet you already own.
Who This Is For
- ·Retirees with no employment income
- ·Recent business sellers between engagements
- ·Households between liquidity events
- ·Anyone whose balance sheet outruns their pay stub
A Common Scenario
"A couple retires with a healthy portfolio and no W-2 for the first time in forty years. Instead of liquidating investments to look qualified, the portfolio itself is converted into qualifying income on paper, the positions stay untouched, and the downsized dream home closes on schedule. Illustrative example; every scenario differs."
What You'll Need
- — Recent brokerage and retirement statements
- — Bank statements
- — ID and standard docs
For Financial Advisors
The mortgage answer for the client with seven figures invested and no W-2. Send them this page before they liquidate a position they shouldn't.
Program availability, terms, and qualification vary by scenario.
Scenario Review
Find Out in 60 Seconds If Your Scenario Fits.
60 seconds. No credit pull. No commitment.