Question 1

What counts as liquid assets for qualification?

Accepted Answer

Checking, savings, brokerage accounts, IRAs, 401(k)s, and taxable investments. Real estate equity, business assets, and personal property don't count.

Question 2

Can I use retirement accounts without withdrawing money?

Accepted Answer

Yes. Lenders calculate qualifying income from account balances. You don't actually withdraw funds. Balances get discounted 20-30% for tax liability.

Question 3

How does asset depletion differ from stated income loans?

Accepted Answer

You prove assets with bank and brokerage statements. Stated income loans don't require documentation. Asset depletion is legitimate non-QM lending, not no-doc.

Question 4

What's the typical down payment requirement?

Accepted Answer

Most programs require 20-30% down. Higher credit scores and larger asset portfolios can sometimes reduce that to 15%.

Question 5

Do rates improve with larger asset balances?

Accepted Answer

Often. A $2 million portfolio gets better pricing than $300,000 minimum. More assets mean lower lender risk and tighter rate spreads.

Asset Depletion Loans in Guadalupe: Qualify With Your Portfolio, Not Your Paycheck