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Asset Depletion Loans in Yountville
What assets qualify for an asset depletion loan?
Cash, savings, and taxable brokerage accounts typically qualify at full value. Retirement accounts often qualify at 60-70% of their balance.
01
Yountville sits at the heart of Napa Valley — wine country real estate with price tags to match. Buyers here often hold significant wealth but draw little traditional income.
Asset depletion loans are built for exactly this profile. Lenders calculate a monthly income figure from your liquid assets instead of requiring W-2s or pay stubs.
680+
Min Credit Score
20% typical
Down Payment
Non-QM
Loan Type
60–360 months
Asset Depletion Term
02
Lenders divide your eligible assets by a set number of months — often 60 to 360 — to create a qualifying monthly income. Higher asset totals mean stronger qualification.
Most programs require a credit score of 680 or higher. Expect a minimum down payment of 20% on most asset depletion products.
Local decision guide
Use this guide to connect asset depletion loans eligibility, lender expectations, and local market factors before comparing payment options in Yountville.
Yountville sits at the heart of Napa Valley — wine country real estate with price tags to match. Buyers here often hold significant wealth but draw little traditional income.
Asset depletion loans are built for exactly this profile. Lenders calculate a monthly income figure from your liquid assets instead of requiring W-2s or pay stubs.
Lenders divide your eligible assets by a set number of months — often 60 to 360 — to create a qualifying monthly income. Higher asset totals mean stronger qualification.
Rate check
Tell us the price range, down payment and credit range you are working with. We compare every lender we work with and show you the options side by side.
03
This is a non-QM loan. That means it lives outside conventional Fannie Mae and Freddie Mac guidelines. Not every lender offers it.
At SRK CAPITAL, we work with 200+ wholesale lenders — many specialize in non-QM products. We shop the asset depletion programs to find the best rate and terms for your profile.
04
The biggest mistake I see: buyers assume all assets count equally. Lenders typically haircut retirement accounts by 30-40% before applying the depletion formula.
Taxable brokerage accounts and cash count at full value. If you're sitting on a large non-retirement portfolio, that's your strongest qualification tool.
05
Bank statement loans use 12-24 months of deposits to calculate income — better if you have active cash flow. Asset depletion works when the money is sitting, not moving.
DSCR loans are property-income-based — the right fit for rental investors. Asset depletion is personal-wealth-based — the right fit for retirees and non-working affluent buyers.
06
Yountville properties often include wine estates, luxury homes, and high-end second residences. These price points regularly exceed conforming loan limits for Napa County.
Buyers in this market frequently include retirees, business owners post-exit, and winery principals — all prime candidates for asset depletion qualification.
FAQ
Cash, savings, and taxable brokerage accounts typically qualify at full value. Retirement accounts often qualify at 60-70% of their balance.
Yes. Asset depletion loans work for primary residences, second homes, and investment properties. Terms may differ by property type.
No. The lender uses your asset balance to calculate qualifying income. You don't have to liquidate anything to close the loan.
Lenders divide eligible assets by a set term — often 60 to 360 months. That figure becomes your qualifying monthly income.
It requires strong credit and a larger down payment. But for borrowers with significant assets and low reported income, it's often the only path to approval.
Programs for first-time buyers that allow lower down payments and more forgiving credit and income rules.
Explore refinancing options to lower your rate, tap equity, or switch loan terms.
SRK CAPITAL in Napa County
Our team of licensed mortgage brokers works Napa County every week. Tell us where you are in the process and we will map out the loan, the timeline and the money you need at closing, with no obligation.
What working with us looks like
Licensed mortgage brokers
You talk with a broker, not a call center, from the first question to closing day.
17-21 day typical close
Most purchase loans close in 17-21 days once your paperwork is in.
Every county in California
We work across the state, including Napa County, so local limits and rules are already familiar.
Financing solutions for rental properties, fix-and-flip projects, and real estate portfolios.
Mortgage programs with alternative income documentation for business owners and freelancers.
Federally insured or guaranteed programs (FHA, VA, USDA) that let lenders accept lower credit scores and smaller down payments.
Traditional mortgage options meeting standard lending guidelines with various term structures.
Alternative lending programs for borrowers who need flexible documentation or unique loan structures.
This page is for educational purposes only and does not constitute financial, legal, or tax advice. Mortgage rates, terms, and program availability can change and vary by borrower and property. Consult a licensed mortgage professional for guidance on your scenario.