Question 1

What asset balance do I need to qualify for a home in Parlier?

Accepted Answer

Divide your target loan amount by 360, then multiply by 1,000. A $400,000 loan needs roughly $1.1M in liquid assets after 70% haircut. Higher credit scores and down payments lower requirements.

Question 2

Can I use my retirement accounts for asset depletion qualification?

Accepted Answer

Yes, but lenders apply 70% valuation and may require penalty-free access verification. IRAs and 401(k)s work for most programs. Annuities usually don't qualify due to liquidation restrictions.

Question 3

Do asset depletion loans work for investment properties in Parlier?

Accepted Answer

Most asset depletion programs restrict to primary or second homes. For Parlier rentals, DSCR loans let you qualify on property cash flow without touching personal assets.

Question 4

How do rates compare to conventional loans right now?

Accepted Answer

Expect 1.5-2.5% higher rates as of February 2026. A conventional loan at 6.5% means asset depletion pricing around 8-9%. Rates vary by borrower profile and market conditions.

Question 5

What happens if my asset values drop during underwriting?

Accepted Answer

Lenders verify balances at commitment and again before closing. A 10%+ drop can kill the loan. Keep assets stable during the 45-60 day process—don't make large withdrawals or transfers.

Asset Depletion Loans in Parlier: Qualify Using Your Portfolio Instead of Paychecks