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Mountain View buyers with substantial assets but minimal W-2 income face a qualification problem. Traditional lenders ignore your brokerage accounts and retirement savings.
Asset depletion loans solve this by calculating a monthly income figure from your liquid assets. Your Charles Schwab account suddenly becomes qualifying income.
This matters in Mountain View where tech exits, stock compensation, and early retirement create asset-rich borrowers. Lenders now treat verified crypto holdings the same as traditional investments.
Asset Depletion Loans in Mountain View
Lenders divide your liquid assets by a set number of months to create qualifying income. Most use 60-month amortization, though some go to 84 months.
You need 620+ credit and reserves beyond your down payment. The asset accounts must be verified and accessible—no qualified retirement plans that trigger penalties.
Acceptable assets include stocks, bonds, mutual funds, money market accounts, and verified cryptocurrency. Real estate equity doesn't count unless you're selling it.
Local decision guide
Use this guide to connect asset depletion loans eligibility, lender expectations, and local market factors before comparing payment options in Mountain View.
Mountain View buyers with substantial assets but minimal W-2 income face a qualification problem. Traditional lenders ignore your brokerage accounts and retirement savings.
Asset depletion loans solve this by calculating a monthly income figure from your liquid assets. Your Charles Schwab account suddenly becomes qualifying income.
This matters in Mountain View where tech exits, stock compensation, and early retirement create asset-rich borrowers. Lenders now treat verified crypto holdings the same as traditional investments.
Twenty wholesale lenders in our network offer asset depletion programs. Terms vary wildly—some cap at $2M, others go to $5M.
Rate structures depend on loan-to-value and asset type. Expect 7-8% as of February 2026. Rates vary by borrower profile and market conditions.
Few portfolio lenders handle crypto assets directly. Most require liquidation first, but newer programs now accept verified holdings without selling.
Mountain View borrowers fail asset depletion deals for two reasons: they count illiquid assets or underestimate reserve requirements. Your Tesla RSUs don't count until vested and sold.
The calculation matters. A borrower with $3M in assets divided by 60 months shows $50K monthly income. That supports a $1.2M purchase at standard debt ratios.
I push clients to consolidate accounts before applying. Twelve different brokerages create verification nightmares. Three statements beat twenty.
Bank statement loans work better if you have business income flow. Asset depletion makes sense when your wealth sits in investment accounts.
Foreign national loans require different documentation. Asset depletion accepts U.S. citizens and permanent residents with domestic accounts.
DSCR loans apply to investment properties only. Asset depletion covers primary residences and second homes in Mountain View's expensive neighborhoods.
Mountain View properties start at $1.5M for decent single-family homes. Asset depletion becomes necessary when your down payment comes from stock sales but income looks thin on paper.
Tech workers with concentrated stock positions use this after IPOs or acquisitions. The timing works: liquidate enough for down payment and reserves, keep the rest invested.
Old Palo Alto and North Bayshore areas see the most asset depletion deals. These neighborhoods attract early retirees and founders with eight-figure portfolios but zero salary.
Stocks, bonds, mutual funds, money market accounts, and verified cryptocurrency. Real estate equity doesn't qualify unless you're selling the property.
Yes, if you're 59½ or older. Under that age, penalties make it illiquid unless you're rolling it to an IRA without penalty.
They require 60-day account statements from regulated exchanges showing consistent balances. Cold wallet holdings need third-party verification services.
Most lenders want $500K minimum in liquid assets. That generates roughly $8,300 monthly income using 60-month depletion calculation.
No. Lenders calculate theoretical income from your assets. You keep everything invested unless you need funds for down payment or closing.
Asset depletion requires full documentation of your accounts. Stated income programs no longer exist in any legitimate form after 2008.