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Placentia sits in north Orange County — a stable, established market. Buyers here often carry real wealth but don't draw a traditional paycheck.
Asset depletion loans convert liquid assets into qualifying income. Retired executives, investors, and business owners use them regularly.
620+
Min Credit Score
20–30%
Down Payment
60 days
Asset Seasoning
None (assets only)
Income Required
Non-QM
Loan Type
Asset Depletion Loans in Placentia
Lenders divide your liquid assets by a set number of months — typically 60 to 84. That monthly figure becomes your qualifying income.
You need verifiable assets: checking, savings, brokerage, or retirement accounts. Illiquid assets like real estate don't count.
Local decision guide
Use this guide to connect asset depletion loans eligibility, lender expectations, and local market factors before comparing payment options in Placentia.
Placentia sits in north Orange County — a stable, established market. Buyers here often carry real wealth but don't draw a traditional paycheck.
Asset depletion loans convert liquid assets into qualifying income. Retired executives, investors, and business owners use them regularly.
Lenders divide your liquid assets by a set number of months — typically 60 to 84. That monthly figure becomes your qualifying income.
This is a non-QM loan. Most banks won't touch it. You need a broker with access to specialty wholesale lenders — not a retail bank branch.
SRK CAPITAL works with 200+ wholesale lenders. Several specialize in asset depletion for high-net-worth borrowers in Orange County.
The biggest mistake I see: borrowers move money around right before applying. Lenders want 60 days of clean, sourced statements. Don't touch the accounts.
Asset mix matters too. A brokerage account full of concentrated stock positions may be haircut heavily. Diversified, liquid holdings get the best treatment.
Bank statement loans work if you have self-employment income flowing through accounts. Asset depletion works when income is minimal or inconsistent.
DSCR loans require a rental property generating cash flow. Asset depletion needs no property income — just the assets themselves.
Placentia attracts long-term Orange County residents who've built serious wealth — often through business sales, stock compensation, or decades of investing.
As of April 2026, north OC remains competitive. Asset depletion borrowers can move fast and compete strongly since they're not income-constrained on paper.
Checking, savings, brokerage, and retirement accounts qualify. Real estate equity and business assets typically don't count.
Not necessarily. The asset calculation replaces employment income entirely. Some lenders may want minimal income documentation.
It depends on the loan amount and the lender's depletion formula. A broker can run the math once you share your asset picture.
No — Orange County's higher home values actually make this product common here. Lenders are comfortable with it in this market.
Down payment typically runs 20–30%. Those funds come from the same asset pool, so lenders verify what remains post-close.
Yes. Non-QM pricing runs higher than conforming rates. Rates vary by borrower profile and market conditions.