Question 1

What assets qualify for asset depletion loans?

Accepted Answer

Checking, savings, money market, and investment accounts typically qualify. Retirement accounts may qualify at a discount depending on your age and the lender.

Question 2

Do I need any income at all to qualify?

Accepted Answer

No traditional income is required. Your liquid assets serve as the income substitute through the depletion calculation.

Question 3

How is my qualifying income calculated?

Accepted Answer

Lenders divide your eligible assets by a set number of months — often 60 to 84. The result is your monthly qualifying income figure.

Question 4

Are asset depletion loans available in Maricopa, CA?

Accepted Answer

Yes. SRK CAPITAL works with wholesale non-QM lenders who lend in Kern County, including Maricopa.

Question 5

What credit score do I need?

Accepted Answer

Most lenders require 620 or higher. Better scores can improve your rate, even on non-QM programs.

Question 6

How are asset depletion rates compared to conventional?

Accepted Answer

They run higher — this is a non-QM product. Rates vary by borrower profile and market conditions.

Asset Depletion Loans in Maricopa, CA