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Arcadia attracts a high concentration of retirees and high-net-worth buyers. Many hold significant liquid assets but show little to no W-2 income.
Asset depletion loans convert your portfolio into qualifying income. No job required — just verifiable liquid assets.
620–660 typical
Min Credit Score
60–84 months
Asset Depletion Window
None (assets only)
Income Docs Required
2–3 months
Asset Statements Needed
Asset Depletion Loans in Arcadia
Lenders divide your eligible assets by a set number of months — typically 60 to 84 — to calculate monthly income. That figure is what counts for qualification.
Eligible assets usually include checking, savings, brokerage, and retirement accounts. Illiquid assets like real estate equity generally don't count.
Most banks don't offer asset depletion programs. This is a wholesale and non-QM lender specialty — you won't find it at your local branch.
Guidelines differ significantly from lender to lender. One lender may count 100% of brokerage assets. Another caps it at 70%. Comparison matters here.
The biggest mistake I see: buyers assume any liquid asset qualifies at full value. Retirement accounts get discounted, and some lenders exclude annuities entirely.
Get your asset statements organized before you apply. Lenders want 2–3 months of statements showing consistent balances. Large recent deposits raise flags.
Bank statement loans work better if you run a business with regular deposits. Asset depletion is the right call when income is minimal but savings are substantial.
DSCR loans are investment-property focused — they use rental income, not assets. If you're buying a primary home in Arcadia with a large portfolio, asset depletion fits better.
Arcadia sits in the San Gabriel Valley with a strong base of buyers who've built wealth through business or investment — not traditional employment.
Many buyers here are purchasing without active income. Asset depletion is often the only path to financing. That makes lender access and program knowledge critical.
It depends on the loan amount and the lender's depletion formula. More assets equal higher calculated income — and a higher qualifying loan amount.
Yes, but most lenders discount retirement accounts by 30–40%. Only the accessible portion counts toward qualifying income.
No. The assets stay in your accounts. Lenders calculate income from the balance — you never have to liquidate.
Some lenders allow it on investment properties. DSCR loans are usually a better fit for rentals — we'll compare both for your situation.
Requirements vary by lender. Most non-QM asset depletion programs start around 620–660. Stronger credit means better rates. Rates vary by borrower profile and market conditions.
Standard loans require income documentation like W-2s or tax returns. Asset depletion replaces that with verified liquid assets — no employment needed.