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Maricopa sits in southern Kern County — oil country, farm country, and retirement country. Asset-rich borrowers here often show little taxable income.
Asset depletion loans convert your liquid assets into qualifying income. No W-2 required. No pay stubs.
620+
Min Credit Score
20% typical
Down Payment
60–84 months
Asset Depletion Term
Non-QM
Loan Category
60 days required
Asset Seasoning
Asset Depletion Loans in Maricopa
Lenders divide your eligible assets by a set number of months — typically 60 to 84. That monthly figure becomes your qualifying income.
Most lenders want at least 620 credit and 20% down. Higher asset balances improve your approval odds significantly.
Local decision guide
Use this guide to connect asset depletion loans eligibility, lender expectations, and local market factors before comparing payment options in Maricopa.
Maricopa sits in southern Kern County — oil country, farm country, and retirement country. Asset-rich borrowers here often show little taxable income.
Asset depletion loans convert your liquid assets into qualifying income. No W-2 required. No pay stubs.
Lenders divide your eligible assets by a set number of months — typically 60 to 84. That monthly figure becomes your qualifying income.
Most banks don't offer asset depletion loans. This is non-QM territory — wholesale lenders specialize in it.
SRK CAPITAL works with 200+ wholesale lenders. We find the ones with the best asset depletion guidelines for your specific profile.
The math matters here. A $1.5M portfolio divided over 84 months gives you roughly $17,800/month in qualifying income.
Not all assets count equally. Checking and savings accounts count at full value. Retirement accounts may be discounted 30–40% depending on the lender.
Bank statement loans work if you have business revenue. Asset depletion works when income is minimal but savings are substantial.
DSCR loans serve investors with rental income. Asset depletion serves buyers who live off their portfolio — a completely different borrower.
Kern County has a strong retiree and agricultural landowner base. Many buyers here have significant liquid assets but modest reported income.
Maricopa's lower price points mean asset depletion borrowers may qualify with smaller portfolios than they'd need in LA or the Bay Area.
Checking, savings, money market, and investment accounts typically qualify. Retirement accounts may qualify at a discount depending on your age and the lender.
No traditional income is required. Your liquid assets serve as the income substitute through the depletion calculation.
Lenders divide your eligible assets by a set number of months — often 60 to 84. The result is your monthly qualifying income figure.
Yes. SRK CAPITAL works with wholesale non-QM lenders who lend in Kern County, including Maricopa.
Most lenders require 620 or higher. Better scores can improve your rate, even on non-QM programs.
They run higher — this is a non-QM product. Rates vary by borrower profile and market conditions.