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Rocklin attracts a lot of retirees and early-exit tech founders. Many have significant wealth but no W-2 income.
Asset depletion loans let lenders count your liquid assets as income. No job required — just the right balance sheet.
Assets ÷ 360 months
Income Calculation
680+
Typical Min Credit
60–90 days
Asset Seasoning
Non-QM
Loan Type
Asset Depletion Loans in Rocklin
Lenders divide your eligible liquid assets by a set number of months — often 360. That monthly figure becomes your qualifying income.
Eligible assets typically include checking, savings, money market, and brokerage accounts. Retirement accounts may count at a discount.
Most retail banks don't offer asset depletion programs. This is a non-QM product — wholesale lenders dominate here.
Guidelines vary a lot. One lender might count 100% of a brokerage account. Another caps it. Shopping lenders is essential.
The biggest mistake I see: borrowers liquidating assets to show cash, then disqualifying themselves. Don't move money without talking to us first.
Asset seasoning matters. Most lenders want assets sitting in your accounts for 60–90 days. Sudden large deposits raise flags.
Bank statement loans work well if you have self-employment income flowing through accounts. Asset depletion is for borrowers with wealth but no consistent deposits.
DSCR loans are another no-income option — but only for investment properties. Asset depletion works on primary residences too.
Rocklin sits in western Placer County — a market popular with Sacramento-area transplants and retirees from the Bay Area.
Many buyers here sold appreciated Bay Area homes and are sitting on large cash positions. Asset depletion is built for exactly that profile.
Checking, savings, brokerage, and money market accounts typically qualify. Retirement accounts may count at a reduced percentage.
Yes. Unlike DSCR loans, asset depletion programs work on primary residences, second homes, and investment properties.
Most lenders want 680 or higher for asset depletion programs. Some go lower, but rates climb sharply below that threshold.
They divide total eligible assets by the loan term in months — typically 360 for a 30-year loan. That monthly figure is your qualifying income.
No — and you shouldn't. Lenders verify assets exist. Moving large sums can disqualify accounts that weren't properly seasoned.
Yes. Expect a higher rate than a conventional loan. Rates vary by borrower profile and market conditions.