Question 1

What assets qualify for asset depletion in Chino?

Accepted Answer

Checking, savings, brokerage, and retirement accounts typically qualify. Retirement funds are usually discounted 30–40% before calculation.

Question 2

Do I need any employment history to apply?

Accepted Answer

No active employment is required. This program is designed specifically for borrowers without traditional job income.

Question 3

How long do assets need to be seasoned?

Accepted Answer

Most lenders want 60 to 90 days of account statements. Start pulling statements early — gaps slow things down.

Question 4

Is asset depletion available for primary homes in Chino?

Accepted Answer

Yes. It works for primary residences, second homes, and some investment properties, depending on the lender.

Question 5

How does SRK CAPITAL find the best asset depletion lender?

Accepted Answer

We compare asset calculation methods across 200+ wholesale lenders. Small differences in methodology can significantly affect your qualifying income.

Question 6

What credit score do I need for asset depletion?

Accepted Answer

Requirements vary by lender. Many non-QM lenders start at 680, but stronger assets can sometimes offset a lower score. Rates vary by borrower profile and market conditions.

Asset Depletion Loans in Chino, CA