Asset Depletion Mortgage: Which Assets Count And At What Haircut
Cash counts near full value. Stocks, bonds, and retirement funds get haircuts.
Asset-Based Mortgages
Asset-based mortgages: qualifying on liquid assets instead of income — the asset qualifier and asset depletion paths.
Asset Depletion Mortgage Requirements For High-net-worth Borrowers
Lenders subtract funds needed for the down payment, closing costs, and reserves, then divide what’s left by a set number of months.
Documents An Asset Depletion Mortgage Lender Needs
Nothing about this loan is “no-doc” — it just swaps income paperwork for asset paperwork.
Asset Depletion Mortgage Interest-only Terms Explained
Interest-only changes a completely different number: the payment used to test that income against the loan.
Minimum Credit Score An Asset Depletion Lender Accepts
There is no federal number that sets this — every lender writes its own.
Asset Depletion Vs P&L Loan For A Loan-out Corporation Borrower
Asset depletion turns liquid savings and investments into a monthly qualifying-income figure.
Asset Depletion Vs P&L Loan When Tax Returns Run Lean
A P&L loan qualifies you on a CPA-prepared income statement instead of your tax returns.
Cash-out Vs Rate-and-term Refinance For A Retiree Living On Assets
A cash-out refinance does both — it replaces the loan and hands you money beyond payoff and closing costs.
Asset Depletion Vs A P&L Loan After A Liquidity Event
If a business sale left you with a lump sum and no active operating income, asset depletion usually fits.
The Complete Guide To Asset-only Mortgages For Wealthy Borrowers
Complete Guide To Asset-only Mortgages For Wealthy Borrowers — Asset-only mortgages let a borrower qualify using liquid assets — brokerage
Complete Guide To Asset Depletion Jumbo Loans
None of it replaces underwriting: credit, reserves, and full documentation review still drive the final decision.
Complete Guide To Asset Qualifier Mortgages For High Net Worth Borrowers
No regulator sets a single formula for how that conversion works, so the divisor, the asset haircuts, and even the occupancy rules differ by lender.
Asset Depletion Loan Complete Guide
This guide walks through the mechanics, the variations, and where the standard rule breaks.
What Is An Asset Depletion Mortgage?
That figure gets added to any other income the borrower already has.
Asset Depletion Mortgage
A lender totals eligible assets, discounts certain account types, and divides what’s left by a set number of months to produce a monthly income figure.