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Hesperia sits in the high desert of San Bernardino County. It attracts retirees and self-directed investors with real savings but no W-2.
Asset depletion loans treat your liquid assets as income. No job required — your portfolio does the qualifying work.
680 Typical
Min Credit Score
Assets ÷ 360 Months
Asset Calculation
None Required
Income Docs Needed
60–90 Days
Statement History
Non-QM Portfolio
Loan Type
Asset Depletion Loans in Hesperia
Lenders divide your eligible assets by a set number of months — often 360. That result becomes your qualifying monthly income.
Credit score requirements vary by lender. Most want 680 or higher. Stronger assets can offset a weaker score on some programs.
Local decision guide
Use this guide to connect asset depletion loans eligibility, lender expectations, and local market factors before comparing payment options in Hesperia.
Hesperia sits in the high desert of San Bernardino County. It attracts retirees and self-directed investors with real savings but no W-2.
Asset depletion loans treat your liquid assets as income. No job required — your portfolio does the qualifying work.
Lenders divide your eligible assets by a set number of months — often 360. That result becomes your qualifying monthly income.
Retail banks rarely offer asset depletion programs. Most are held by non-QM wholesale lenders with their own overlays.
SRK CAPITAL works with 200+ wholesale lenders. We shop this program aggressively — terms vary widely across lenders.
The biggest mistake borrowers make: assuming all assets count equally. Vested 401k funds, brokerage accounts, and savings are treated differently.
Get your asset statements current before applying. Lenders want 60–90 days of history. Gaps in documentation kill deals fast.
Bank statement loans work better for the self-employed still earning active business income. Asset depletion fits those living off savings.
DSCR loans require a rental property generating cash flow. Asset depletion needs no property income — just the assets themselves.
Hesperia draws buyers from LA and the Inland Empire looking for lower price points. Retirees with investment portfolios are a natural fit here.
San Bernardino County has no county-specific income limits on non-QM programs. Asset depletion eligibility is driven by lender guidelines, not geography.
Checking, savings, and brokerage accounts typically qualify at full value. Retirement accounts are often discounted to 60–70%.
No employment income is required. Your assets are converted into a calculated monthly income figure for qualifying purposes.
Yes. Retirees with strong liquid assets are a common use case. No W-2 or Social Security income is required.
Most lenders divide eligible assets by 360 months. A $900,000 portfolio could yield a $2,500 monthly qualifying figure.
Yes. Non-QM programs carry higher rates than conventional loans. Rates vary by borrower profile and market conditions.
Timeline depends on documentation completeness. Well-prepared asset files can close in 21–30 days with the right lender.