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Orland sits in Glenn County — rural, affordable, and overlooked by most lenders. That creates real opportunity for asset-rich borrowers who can't show traditional income.
Asset depletion loans let you qualify using liquid assets instead of a pay stub. Retirees, investors, and self-employed buyers use this program regularly.
620 (most lenders)
Min Credit Score
60–84 months
Asset Division Period
60–70% of balance
Retirement Asset Count
Non-QM
Loan Classification
Fixed or ARM available
Rate Type
Asset Depletion Loans in Orland
Lenders divide your liquid assets by a set number of months — often 60 to 84 — to calculate a monthly income figure. That number is what gets you approved.
Credit score requirements vary by lender. Most non-QM lenders want at least a 620. Stronger assets can sometimes offset a lower score.
Local decision guide
Use this guide to connect asset depletion loans eligibility, lender expectations, and local market factors before comparing payment options in Orland.
Orland sits in Glenn County — rural, affordable, and overlooked by most lenders. That creates real opportunity for asset-rich borrowers who can't show traditional income.
Asset depletion loans let you qualify using liquid assets instead of a pay stub. Retirees, investors, and self-employed buyers use this program regularly.
Lenders divide your liquid assets by a set number of months — often 60 to 84 — to calculate a monthly income figure. That number is what gets you approved.
Most big banks don't offer asset depletion programs. This is a non-QM product, which means you need a broker with access to wholesale non-QM lenders.
At SRK CAPITAL, we work with 200+ wholesale lenders. We know which ones price this program competitively and which ones add junk fees.
The biggest mistake I see: borrowers counting assets that aren't eligible. Equity in a home doesn't count. Neither do illiquid investments.
Get your statements clean before applying. Lenders want 2–3 months of consistent balances. Large recent deposits raise flags and slow approvals.
Bank statement loans are the closest alternative. If you have business income, 12–24 months of deposits may qualify you for better rates than asset depletion.
DSCR loans work if you're buying a rental. Asset depletion is best for primary or second home purchases where rental income isn't in the picture.
Glenn County properties are priced well below state averages. That means smaller loan amounts and lower asset thresholds to qualify.
Rural parcels and ag-adjacent land are common here. Confirm your property type is eligible — some non-QM lenders restrict rural or large-acreage loans.
Checking, savings, brokerage, and retirement accounts typically qualify. Retirement funds are usually counted at 60–70% of their balance.
Yes, but not every non-QM lender approves rural properties. We screen lenders upfront for Glenn County eligibility.
Lenders divide your total eligible assets by a set number of months — often 60 to 84. That result becomes your qualifying monthly income.
No. Self-employed borrowers, investors, and anyone with strong liquid assets can qualify. Income source doesn't matter.
Bank statement loans use deposit history to prove income. Asset depletion skips income entirely and qualifies on savings alone.
Most non-QM lenders require at least 620. Higher scores improve your rate. Rates vary by borrower profile and market conditions.