Question 1

Which assets count toward income calculation?

Accepted Answer

Stocks, bonds, mutual funds, money markets, IRAs, 401(k)s, and verified crypto holdings. Primary residence equity typically excluded.

Question 2

How do lenders verify cryptocurrency holdings?

Accepted Answer

Select lenders now accept crypto with third-party verification services that confirm balances and ownership. Documentation standards emerged in early 2026.

Question 3

Can I combine asset depletion with other income sources?

Accepted Answer

Yes. Many borrowers layer asset depletion with part-time W-2, rental income, or social security to improve debt ratios and lower rates.

Question 4

What happens if my asset values fluctuate during underwriting?

Accepted Answer

Lenders use the lower of initial or final statement values. Market drops can delay closing if assets fall below required thresholds.

Question 5

Do I need to liquidate assets to close the loan?

Accepted Answer

No. Assets stay invested. Lenders just verify you own them and could theoretically draw income from them over 30 years.

Asset Depletion Loans in East Palo Alto — Qualify Using Your Investments