Question 1

Do retirement accounts count as assets for qualification?

Accepted Answer

Yes, if accessible without penalty. IRAs and 401(k)s work for borrowers over 59½. Lenders discount the value by 30% for potential taxes.

Question 2

What's the minimum portfolio size for Rolling Hills properties?

Accepted Answer

Realistically $1.5M minimum in liquid assets. Lower amounts don't generate enough qualifying income for typical home prices in this market.

Question 3

Can I use assets in my spouse's name?

Accepted Answer

Yes, if they're a co-borrower. All applicants' assets combine for qualification calculations. Both incomes and credit profiles matter.

Question 4

How long does asset documentation take?

Accepted Answer

Plan for 2-3 weeks of back-and-forth. Lenders verify every account, trace large deposits, and confirm no recent debt-funded transfers.

Question 5

Do I need to liquidate assets to close?

Accepted Answer

No, assets stay invested. Lenders verify balances and accessibility. You only liquidate what's needed for down payment and closing costs.

Asset Depletion Loans in Rolling Hills: Qualify With Your Portfolio, Not Your Paystub