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Asset Depletion Loans in Rolling Hills Estates
Rolling Hills Estates draws buyers with substantial portfolios but non-traditional income. Retirees, trust beneficiaries, and investors dominate this market.
Asset depletion loans let you qualify using your investment accounts, not paystubs. Lenders divide your liquid assets by 360 months to calculate qualifying income.
This loan type fits Rolling Hills Estates perfectly—expensive homes, wealthy buyers, minimal W-2 earners. Most applicants here hold seven-figure portfolios.
You need minimum $500k in liquid assets after down payment and reserves. Credit scores start at 680, with better rates at 720+.
Qualifying income calculation: total liquid assets divided by 360. A $2M portfolio creates roughly $5,500 monthly qualifying income.
Lenders count brokerage accounts, stocks, bonds, and retirement funds. They exclude real estate equity and business valuations.
About 15 lenders in our network offer asset depletion programs. Each calculates qualifying income differently—some use 240 months, others 360.
Rate pricing varies wildly between lenders. We've seen 2-point spreads on identical borrower profiles depending on asset type mix.
Smaller portfolio lenders move fastest on these deals. Big banks rarely touch non-QM products despite marketing them.
Rolling Hills Estates buyers often qualify three ways—this loan, bank statements, or DSCR. Asset depletion wins when you're portfolio-heavy but income-light.
Watch the asset mix carefully. Some lenders haircut volatile stocks by 30%. Others treat all equities equally.
We see retirement-age buyers choose this over bank statements constantly. No need to show business income or tax complexity.
Bank statement loans require 12-24 months of deposits and business continuity. Asset depletion just needs current account statements.
Foreign national loans demand 40-50% down. Asset depletion starts at 20% with strong portfolios.
DSCR loans work for investment properties only. Asset depletion covers primary residences and second homes in Rolling Hills Estates.
Rolling Hills Estates sits in a gated community with equestrian properties and ocean-view estates. Most transactions exceed $1.5M.
Appraisals take longer here—limited comps, large lots, custom features. Build 4-5 weeks into your timeline.
HOA rules can complicate closings in certain Rolling Hills Estates tracts. We verify restrictions before you lock rates.
Plan on $500k minimum after down payment and reserves. A $2M home at 20% down needs roughly $900k total liquid assets to qualify comfortably.
Yes, but lenders typically discount retirement accounts by 30% for early withdrawal penalties. Brokerage accounts qualify at full value.
Expect 1.5-3% above conventional rates. Strong credit and large portfolios land closer to 1.5%. Rates vary by borrower profile and market conditions.
Figure 3-4 weeks with a responsive lender. Delays happen when asset statements span multiple institutions or show unexplained large transfers.
No. Lenders verify assets exist but don't require liquidation. You keep investments intact throughout the loan term.
Mortgage financing for independent contractors and freelancers who earn 1099 income instead of traditional W-2 wages.
Non-QM loans that use 12 to 24 months of bank statements to verify income for self-employed borrowers.
Short-term financing that bridges the gap between buying a new property and selling an existing one.
Debt Service Coverage Ratio loans that qualify investors based on a rental property's income rather than personal income.
Mortgage programs designed for non-US citizens and non-permanent residents who want to purchase property in the United States.
Asset-based short-term loans primarily used by real estate investors for property acquisition and renovation projects.
Mortgages that allow borrowers to pay only the interest for an initial period, resulting in lower monthly payments upfront.
Financing solutions tailored for real estate investors purchasing rental properties, fix-and-flip projects, or investment portfolios.
Home loans for borrowers who have an Individual Taxpayer Identification Number instead of a Social Security number.
Adjustable rate mortgages held in a lender's portfolio rather than sold on the secondary market, offering more flexible terms.
Non-QM mortgages that use a CPA-prepared profit and loss statement to verify income for self-employed borrowers.
Home loans with interest rates that adjust periodically based on market conditions after an initial fixed-rate period.
Specialized mortgage programs designed to support homeownership in underserved communities with flexible qualification criteria.
Mortgages that meet the guidelines and loan limits set by Fannie Mae and Freddie Mac for secondary market purchase.
Financing for building a new home or making major renovations, typically converting to a permanent mortgage upon completion.
Traditional mortgage financing not backed by a government agency, offering flexible terms and competitive rates for qualified borrowers.
Innovative loan products that leverage projected home equity growth to provide favorable financing terms.
Government-insured mortgages from the Federal Housing Administration with low down payments and flexible credit requirements.
A revolving line of credit secured by your home equity that allows you to borrow funds as needed during a draw period.
A fixed-rate second mortgage that provides a lump sum of cash by borrowing against the equity built in your home.
Mortgages that exceed the conforming loan limits set by the FHFA, designed for financing high-value luxury properties.
Loans for homeowners aged 62 and older that convert home equity into cash without requiring monthly mortgage payments.
Government-backed zero down payment mortgages for eligible rural and suburban homebuyers who meet income limits.
Government-guaranteed mortgages for eligible veterans, active-duty service members, and surviving spouses with zero down payment.