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Menlo Park attracts tech founders, early employees, and retired executives with substantial liquid assets but unconventional income. Asset depletion loans let you qualify using investment accounts, not W-2s.
As of February 2026, lenders now accept cryptocurrency holdings alongside stocks and bonds for qualification. This matters in a city where many borrowers hold significant digital assets from startup exits or investments.
Lenders divide your total liquid assets by 360 months to calculate monthly income. A borrower with $2 million in verified assets shows $5,555 monthly income for qualification purposes.
You need 620+ credit and assets in verifiable accounts like brokerage statements, retirement funds, or savings. Most programs require 20-25% down and accept primary residences, second homes, and investment properties.
We work with 12+ non-QM lenders offering asset depletion programs. Each has different asset requirements, with some accepting only liquid accounts and others including retirement funds at discounted rates.
Rate policies vary significantly. One lender caps at 75% loan-to-value while another goes to 80% with additional reserves. We compare all options to find the lowest rate for your asset profile.
Most Menlo Park borrowers who need asset depletion fall into three groups: early retirees under 59.5, founders with equity but low salary, and international buyers with offshore holdings. Each requires different documentation.
The crypto acceptance change matters here more than anywhere. We're seeing former Facebook and Google employees with six-figure crypto positions who can now include those holdings in qualification calculations.
Bank statement loans work better if you have business income but messy tax returns. Asset depletion makes sense when you have substantial savings but limited monthly deposits.
DSCR loans fit rental properties where rent covers the mortgage. Foreign national loans serve non-citizens. Asset depletion bridges the gap for US residents with wealth but no traditional income stream.
Menlo Park home prices push many buyers toward jumbo territory even for modest properties. Asset depletion programs handle jumbo loans up to $4 million, which covers most local inventory.
Many borrowers here received substantial equity compensation that vested recently. Asset depletion lets you use those holdings immediately without waiting for two years of income history on tax returns.
Stocks, bonds, mutual funds, savings, money market accounts, and now cryptocurrency at participating lenders. Most retirement accounts count at 60-70% of value.
No. Lenders calculate income from total holdings without requiring you to sell. You maintain your investment positions throughout the loan.
Rates run 0.5-1.5% higher than conventional programs. Exact pricing depends on credit score, down payment, and asset liquidity. Rates vary by borrower profile and market conditions.
Yes. Lenders count IRA and 401k balances even if you can't withdraw without penalty. They typically apply a 60-70% haircut to retirement funds.
Asset depletion loans close in 21-30 days typically. Verification of account balances moves faster than employment and income documentation for traditional loans.
Lenders use the verified balance from your statements at application. Daily price swings don't affect qualification once the initial value is documented and verified.
Asset Depletion Loans in Menlo Park