Asset-Based Mortgages

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.

Above roughly $4,000,000, size alone often pushes a file into a case-by-case review where structure gets decided loan by loan.

Divisor: the number of months a program divides your eligible assets by. A shorter divisor produces a bigger monthly income number from the same asset pool.

Asset Haircuts And Divisors Change Your Asset Qualifier — Yes.

Most delays trace back to one thing — an unexplained deposit near closing. Get the paper trail right first, and the rest of the file tends to move in order.

Asset Depletion Mortgage Counts Undistributed K-1 Income — It doesn’t.

Can A Second Home Buyer Get Full Financing On Asset Depletion: what borrowers need to know about high-net-worth bank-statement financing, from Lendmire.

Plan Reserves On An Asset Depletion Second Home — Reserves come out of the asset pool before the income math runs, not after.