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Chino sits in San Bernardino County, where home prices have stayed competitive for Southern California. Buyers here often have real wealth but unconventional income.
Retirees and business owners in Chino rarely look good on a W-2. Asset depletion loans solve that problem directly.
Assets ÷ 60–84 months
Income Calculation
680+
Typical Min Score
None
Employment Required
60–90 days
Asset Seasoning
At 60–70% of value
Retirement Asset Count
Asset Depletion Loans in Chino
Lenders divide your eligible assets by a set number of months — often 60 to 84. That monthly figure becomes your qualifying income.
Eligible assets typically include checking, savings, brokerage, and retirement accounts. Vested retirement funds usually get a haircut of 30% to 40%.
Local decision guide
Use this guide to connect asset depletion loans eligibility, lender expectations, and local market factors before comparing payment options in Chino.
Chino sits in San Bernardino County, where home prices have stayed competitive for Southern California. Buyers here often have real wealth but unconventional income.
Retirees and business owners in Chino rarely look good on a W-2. Asset depletion loans solve that problem directly.
Lenders divide your eligible assets by a set number of months — often 60 to 84. That monthly figure becomes your qualifying income.
Big retail banks rarely offer asset depletion programs. This is a non-QM product, and most of the best options live with wholesale lenders.
SRK CAPITAL works with 200+ wholesale lenders. We find the ones with the most borrower-friendly asset calculation methods.
The biggest mistake I see? Borrowers liquidating assets to show cash — then disqualifying themselves. Keep assets intact through closing.
Asset seasoning matters. Most lenders want 60 to 90 days of statements. Start gathering those early in the process.
Bank statement loans work well if you run a business with consistent deposits. Asset depletion fits better when income is sparse but net worth is high.
DSCR loans are built for rental investors. Asset depletion is for the buyer who owns the property to live in — not rent out.
Chino attracts buyers relocating from pricier LA and Orange County markets. Many arrive with equity-rich proceeds but limited monthly income.
San Bernardino County's price range makes asset depletion viable at realistic loan amounts. You don't need jumbo-level assets to make the math work here.
Checking, savings, brokerage, and retirement accounts typically qualify. Retirement funds are usually discounted 30–40% before calculation.
No active employment is required. This program is designed specifically for borrowers without traditional job income.
Most lenders want 60 to 90 days of account statements. Start pulling statements early — gaps slow things down.
Yes. It works for primary residences, second homes, and some investment properties, depending on the lender.
We compare asset calculation methods across 200+ wholesale lenders. Small differences in methodology can significantly affect your qualifying income.
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.