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Irvine attracts a high concentration of retirees, executives, and tech entrepreneurs. Many have substantial liquid assets but show little taxable income on paper.
Asset depletion loans solve a real problem here. Your brokerage account doesn't lie — even if your W-2 does.
620+
Min Credit Score
20–30%
Down Payment
60–84 months
Asset Divisor
No
Employment Required
Non-QM
Loan Type
Asset Depletion Loans in Irvine
Lenders divide your eligible liquid assets by a set number of months — often 60 to 84. That monthly figure becomes your qualifying income.
Most lenders want at least 620 credit. Expect a larger down payment requirement — typically 20% to 30%. Rates vary by borrower profile and market conditions.
Local decision guide
Use this guide to connect asset depletion loans eligibility, lender expectations, and local market factors before comparing payment options in Irvine.
Irvine attracts a high concentration of retirees, executives, and tech entrepreneurs. Many have substantial liquid assets but show little taxable income on paper.
Asset depletion loans solve a real problem here. Your brokerage account doesn't lie — even if your W-2 does.
Lenders divide your eligible liquid assets by a set number of months — often 60 to 84. That monthly figure becomes your qualifying income.
Retail banks rarely offer asset depletion programs. This is a non-QM product, and most big banks don't touch it.
Wholesale lenders are where these programs live. We work with 200+ of them — so we can match your asset profile to the right underwriting guidelines.
Not all assets count. Retirement accounts often get a haircut — lenders may credit only 60% to 70% of that balance. Stocks and money market accounts typically count at full value.
The biggest mistake I see: borrowers show up with illiquid assets. Real estate equity and business ownership stakes won't qualify. Think brokerage and bank accounts first.
If you have 12 months of self-employment deposits, a bank statement loan might get you a better rate. Asset depletion works best when income is genuinely absent — not just hard to document.
DSCR loans cover investment properties using rental income. Asset depletion covers you personally. They serve different needs and can sometimes be used together.
Irvine home prices routinely push buyers into jumbo territory. Asset depletion programs frequently go above conforming limits — that matters in Orange County.
Many Irvine buyers are foreign nationals or recent retirees from tech. Both groups often have strong asset bases with minimal U.S. income documentation.
Liquid assets like brokerage accounts, savings, and money markets count. Retirement accounts usually count at 60–70% of their balance.
Yes — this program was built for exactly that situation. No employment history required, just documented liquid assets.
Loan amounts depend on your asset total and lender guidelines. Many wholesale lenders go well above the conforming limit for qualified borrowers.
No. You must fully document your assets with statements. Income is calculated from those assets — it's verified, not stated.
Lenders divide your eligible assets by a term — often 60 to 84 months. That result is your monthly qualifying income.
Asset depletion is non-QM, so rates run higher than conventional. Rates vary by borrower profile and market conditions.