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Roseville attracts a lot of retirees and early-exit tech workers. Many have real wealth — just not a W-2 to show for it.
Asset depletion lets lenders count your liquid assets as income. No job required. That changes everything for asset-rich borrowers.
680+
Min Credit Score
20%+ typical
Down Payment
2–12 months
Asset Statements
None
Income Required
Non-QM
Loan Type
Asset Depletion Loans in Roseville
Lenders divide your eligible assets by a loan term — typically 360 months. That monthly figure becomes your qualifying income.
Eligible assets usually include checking, savings, brokerage, and 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 Roseville.
Roseville attracts a lot of retirees and early-exit tech workers. Many have real wealth — just not a W-2 to show for it.
Asset depletion lets lenders count your liquid assets as income. No job required. That changes everything for asset-rich borrowers.
Lenders divide your eligible assets by a loan term — typically 360 months. That monthly figure becomes your qualifying income.
Asset depletion is a non-QM product. Most retail banks won't touch it. You need a broker with wholesale non-QM access.
Lender guidelines vary widely on which assets qualify and at what haircut. Shopping across lenders isn't optional — it's essential.
The most common mistake I see: borrowers show up with assets in an irrevocable trust. Most lenders won't count those.
Keep assets documented and accessible. Two to three months of statements is the baseline. Some lenders want twelve.
Bank statement loans work if you have business income. Asset depletion works when income has stopped entirely.
DSCR loans are for rental properties. Asset depletion is for your primary or second home. Different tools, different situations.
Roseville's Placer County draws buyers from the Bay Area cashing out equity. Many arrive asset-heavy with no current employer.
Placer County has no local loan amount cap specific to this product. Your qualifying income from assets sets the ceiling.
Checking, savings, brokerage, and retirement accounts typically qualify. Real estate equity and business assets usually don't count.
No employment income is required. Your assets alone can serve as your qualifying income source.
Most lenders require at least 680. Higher scores get better rates. Rates vary by borrower profile and market conditions.
Yes. Asset depletion works for primary residences and second homes. Investment properties typically use DSCR instead.
It depends on the purchase price and term. A broker can run the asset calculation once you know your target price.
Underwriting is stricter on documentation. But for asset-rich borrowers with no income, it's often the only viable path.