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San Jacinto attracts retirees and asset-rich buyers who don't draw a paycheck. Asset depletion loans exist for exactly this borrower.
This is a non-QM loan — meaning it falls outside standard government guidelines. Lenders calculate income from your liquid assets instead of W-2s or tax returns.
620 (typical)
Min Credit Score
60–360 months
Asset Division Window
Assets only
Income Verification
2–3 months min
Funds Seasoning
Asset Depletion Loans in San Jacinto
Lenders take your eligible assets and divide them over a set period — often 60 to 360 months. That figure becomes your qualifying income.
Most lenders want 620+ credit and significant liquid reserves. Retirement accounts, brokerage accounts, and savings typically count. Real estate equity usually doesn't.
Local decision guide
Use this guide to connect asset depletion loans eligibility, lender expectations, and local market factors before comparing payment options in San Jacinto.
San Jacinto attracts retirees and asset-rich buyers who don't draw a paycheck. Asset depletion loans exist for exactly this borrower.
This is a non-QM loan — meaning it falls outside standard government guidelines. Lenders calculate income from your liquid assets instead of W-2s or tax returns.
Lenders take your eligible assets and divide them over a set period — often 60 to 360 months. That figure becomes your qualifying income.
Most retail banks won't touch asset depletion loans. This is a wholesale and non-QM lender product. You need a broker with real access to those channels.
SRK CAPITAL shops across 200+ wholesale lenders. That matters here — asset depletion guidelines vary more than almost any other loan type.
The asset calculation method is everything. One lender divides over 60 months. Another uses 360. That difference can make or break your approval.
Bring complete statements — 2-3 months minimum, sometimes more. Lenders want to see the money sitting there, not moving in right before you apply.
Bank statement loans work well for self-employed borrowers with cash flow. Asset depletion suits buyers with wealth but little or no monthly income.
DSCR loans require a rental property to qualify. Asset depletion asks nothing about income source — just asset size and liquidity.
San Jacinto sits in the Inland Empire, where prices remain more accessible than coastal California. Asset depletion borrowers can stretch their assets further here.
Riverside County has a growing retiree population. Asset depletion demand has followed. Sellers in this market generally accept non-QM financing without issue.
Checking, savings, money market, and brokerage accounts typically qualify. Most lenders exclude retirement accounts or apply a haircut to them.
They divide your total eligible assets by a set number of months — often 60 to 360. That monthly figure is your qualifying income.
No. That's the point of this program. Your assets replace the income requirement entirely.
Yes. Riverside County properties qualify. Loan amounts depend on your assets, credit, and the lender's specific program guidelines.
Conventional loans require verified employment income. Asset depletion loans use liquid wealth instead — no pay stubs, no tax return income needed.
Most lenders require at least 620. Some non-QM lenders go lower, but expect higher rates. Rates vary by borrower profile and market conditions.