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Calimesa sits in Riverside County — a region where retirees and self-made wealth holders are buying homes without W-2s.
Asset depletion loans exist for exactly that situation. Your portfolio replaces a pay stub.
Typically 680+
Min Credit Score
20–30% typical
Down Payment
60–360 months
Asset Depletion Term
Non-QM
Loan Category
Fixed or ARM
Rate Type
Asset Depletion Loans in Calimesa
Lenders divide your liquid assets by a set number of months — usually 60 to 360. That monthly figure is your qualifying income.
Retirement accounts, brokerage accounts, and savings all count. Illiquid assets like real estate equity typically do not.
Local decision guide
Use this guide to connect asset depletion loans eligibility, lender expectations, and local market factors before comparing payment options in Calimesa.
Calimesa sits in Riverside County — a region where retirees and self-made wealth holders are buying homes without W-2s.
Asset depletion loans exist for exactly that situation. Your portfolio replaces a pay stub.
Lenders divide your liquid assets by a set number of months — usually 60 to 360. That monthly figure is your qualifying income.
Most retail banks don't offer asset depletion. This is a non-QM product, meaning it lives in the wholesale and private lending world.
SRK CAPITAL works with 200+ wholesale lenders. We find the ones with the most favorable asset calculation methods for your profile.
The biggest variable is how each lender counts your assets. Some lenders discount retirement accounts by 30%. Others count them at full value.
That difference can mean qualifying for $200K more in loan amount. Having a broker run your numbers across multiple lenders matters here.
Bank statement loans work if you have business revenue to show. Asset depletion works when the money is already sitting in accounts.
DSCR loans are better for investment properties with rental income. Asset depletion is the right tool when you're cash-rich but income-poor on paper.
Calimesa attracts retirees relocating from higher-cost California metros. Many arrive with significant liquid wealth but no current employment income.
Riverside County's relative affordability means asset depletion borrowers here often qualify comfortably — their asset base clears the bar without straining the math.
Checking, savings, brokerage, and retirement accounts typically qualify. Real estate equity and business assets usually do not count.
Yes. This program works for primary residences, second homes, and investment properties depending on the lender.
Most lenders want 680 or higher for asset depletion. A stronger score improves your rate. Rates vary by borrower profile and market conditions.
It depends on the loan amount and the lender's depletion formula. More assets equal higher imputed monthly income.
It's a non-QM product, so underwriting is manual and takes longer. But for asset-rich borrowers with no W-2, it's often the clearest path to approval.