Question 1

What assets count toward qualification?

Accepted Answer

Cash, stocks, bonds, money markets, and retirement accounts qualify. Most lenders apply a 30-70% discount to retirement funds to account for taxes and penalties.

Question 2

Can I use cryptocurrency as qualifying assets?

Accepted Answer

Some lenders now accept verified crypto holdings as of early 2026. The asset must be held in verifiable accounts and properly valued by the lender's guidelines.

Question 3

How much do I need in assets to qualify?

Accepted Answer

Minimum thresholds start around $200,000. Your total assets divided by 360 must exceed your proposed monthly payment plus property taxes and insurance.

Question 4

What credit score do I need?

Accepted Answer

Most asset depletion programs require 680 minimum. Some lenders go as low as 660 with larger asset pools or higher down payments.

Question 5

How does this compare to conventional financing rates?

Accepted Answer

Expect rates 1.5% to 2.5% higher than conventional loans. Rates vary by borrower profile and market conditions.

Question 6

Do I need proof of where the assets came from?

Accepted Answer

Yes. Lenders require sourcing documentation for large deposits over the past 60 days. Inheritance, business sale proceeds, and property sales all need paper trails.

Asset Depletion Loans in Soledad: Qualify Using Your Liquid Assets