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Laguna Hills attracts retirees, executives, and high-net-worth buyers. Many have significant assets but little to no W-2 income.
Asset depletion loans let lenders count your liquid assets as income. No job required — just verifiable wealth.
Varies by lender
Min Credit Score
20–30% typical
Down Payment
None
Income Docs Required
2–3 months min
Asset Statements Needed
Non-QM
Loan Type
Lenders divide your eligible assets by a set number of months — typically 60 to 360. That monthly figure becomes your qualifying income.
Eligible assets usually include checking, savings, money market, and investment accounts. Retirement accounts may count at a discount.
Asset depletion is a non-QM product. Most big banks won't touch it. You need a broker with wholesale access to find real options.
SRK CAPITAL works with 200+ wholesale lenders. Several specialize in non-QM programs built exactly for this borrower type.
The biggest mistake I see: borrowers wait too long to document assets. Lenders want 2-3 months of statements, sometimes more.
Sourcing matters too. A large deposit with no paper trail will slow your approval. Keep records of where funds came from.
Bank statement loans work better if you run a business with consistent monthly deposits. Asset depletion fits pure wealth — no active income needed.
DSCR loans are for investment properties only. Asset depletion works on primary residences, second homes, and investment properties.
Laguna Hills sits in one of Orange County's more established communities. Buyers here often carry brokerage accounts and pension assets — exactly what these loans use.
Properties in this area often carry price tags that push past conventional loan limits. Asset depletion pairs well with jumbo loan structures.
Checking, savings, money market, and investment accounts typically qualify. Retirement accounts may count at a reduced percentage.
Yes. Unlike DSCR loans, asset depletion works on primary residences, second homes, and investment properties.
Most non-QM lenders require 20–30% down for asset depletion loans. Requirements vary by lender and borrower profile.
No employment or income documentation is required. Lenders qualify you solely on verified liquid assets.
Lenders divide your eligible assets by a set number of months. That figure is treated as your monthly qualifying income.
Yes, non-QM products carry a rate premium over conventional loans. Rates vary by borrower profile and market conditions.
Asset Depletion Loans in Laguna Hills