Question 1

What assets qualify for asset depletion loans?

Accepted Answer

Stocks, bonds, mutual funds, and brokerage accounts all qualify. As of early 2026, some lenders accept verified cryptocurrency holdings and certain retirement accounts.

Question 2

Do I need to liquidate my investments to qualify?

Accepted Answer

No. Lenders verify your assets but don't require liquidation. They calculate monthly income by dividing asset value over the loan term.

Question 3

What credit score do I need in Livingston?

Accepted Answer

Most lenders require 620-680 minimum credit score. Higher scores unlock better rates and lower down payment requirements.

Question 4

How do lenders calculate my monthly income?

Accepted Answer

They divide your total liquid assets by a depletion period, typically 60-360 months. Shorter periods create higher qualifying income.

Question 5

Can I use retirement accounts for qualification?

Accepted Answer

Some lenders allow IRA and 401(k) balances with restrictions. Early withdrawal penalties may reduce the usable amount for qualification purposes.

Question 6

What down payment do asset depletion loans require?

Accepted Answer

Expect 20-30% down depending on credit strength and asset levels. Stronger profiles may qualify for 15% down with certain lenders.

Asset Depletion Loans in Livingston: Qualify Using Your Investment Portfolio