Question 1

What asset types qualify for depletion programs?

Accepted Answer

Stocks, bonds, mutual funds, money market accounts, and cash reserves all qualify. Some lenders accept retirement accounts with penalties factored in.

Question 2

Can I use cryptocurrency as qualifying assets?

Accepted Answer

Select lenders now accept verified crypto holdings as of early 2026. Expect conservative valuations and volatility haircuts during underwriting.

Question 3

How much in assets do I need for a $2M loan?

Accepted Answer

Using 60-month depletion, you need roughly $600K-$800K in liquid assets after down payment. Exact amounts depend on credit, property type, and lender overlays.

Question 4

Do I need to liquidate my investment portfolio?

Accepted Answer

No. Lenders verify assets through statements but don't require liquidation. Keep your portfolio intact through closing to avoid sourcing issues.

Question 5

What credit score do asset depletion loans require?

Accepted Answer

Most programs require 620 minimum, but stronger credit above 700 unlocks better rates. Higher assets can sometimes offset lower credit scores.

Asset Depletion Loans in Portola Valley: Qualify Using Your Investment Portfolio