Asset-Based Mortgages

Nothing in this framework is location-specific.

Most borrowers who need this product don’t lack money. They lack a W-2 that proves it.

It’s built for people who have real wealth but thin reported income — retirees, business sellers, and high-net-worth borrowers.

Lenders divide the eligible balance by a set number of months after subtracting closing costs and reserves.

Close An Asset Depletion Mortgage With Loan-out Corporation — The biggest hurdle isn’t the math.

The math only works if the closure is properly documented and the money has cleared the corporate account into the borrower’s personal name.

The asset depletion math converts liquid assets into a monthly income figure, which then supports a standard debt-to-income calculation.

Retiree Use Delayed Financing On An Asset Depletion Loan — Yes.

A primary residence gets the most leverage, a second home gets less, and an investment property gets the least at almost every size.

The refinance is capped at the lesser of the appraised value or what the buyer actually spent to close — not a bigger number based on appreciation.

Fixed-rate options exist through roughly $6M on portfolio non-QM programs.

The fastest path pairs a clean asset inventory with a lender that already understands vacation-market appraisals and short-term rental income.

Asset Depletion Mortgage Qualify You The Year — Yes, in most cases.

That path skips tax-transcript orders and employment re-verification, which are two of the slowest steps in a standard file.