Question 1

What counts as liquid assets for qualification?

Accepted Answer

Checking, savings, stocks, bonds, mutual funds, and accessible retirement accounts all qualify. Real estate equity and business ownership don't count as liquid assets.

Question 2

Can I use assets held in foreign banks?

Accepted Answer

Select lenders accept foreign assets with proper documentation and currency conversion. You'll need English translations of statements and sometimes third-party verification.

Question 3

How much income does $2 million in assets generate?

Accepted Answer

Most lenders divide by 360 months, creating $5,556 monthly qualifying income. Some programs use 240 or 480 months depending on asset type and borrower age.

Question 4

Do I need to liquidate assets to get approved?

Accepted Answer

No. Lenders calculate hypothetical income from your portfolio. Assets stay invested unless you need them for down payment or reserves.

Question 5

What's the typical rate premium versus conventional?

Accepted Answer

Expect 1-2% higher than conventional rates as of February 2026. The premium reflects specialized underwriting, not credit risk or asset quality.

Asset Depletion Loans in Colma: Qualify Using Your Investment Portfolio