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Palo Alto attracts retired executives, equity-rich founders, and long-term investors. Many have serious wealth but no W-2 to show a conventional lender.
Asset depletion loans solve that problem. Your liquid assets — brokerage accounts, savings, retirement funds — become your qualifying income.
Typically 680+
Min Credit Score
60–84 months
Asset Amortization
Non-QM / Portfolio
Loan Type
None
Income Docs Required
Fixed or ARM
Rate Type
Asset Depletion Loans in Palo Alto
Lenders divide your eligible assets by a set number of months — typically 60 to 84. That monthly figure becomes your qualifying income.
Most programs require strong credit, usually 680 or above. Expect a minimum asset balance well above the loan amount after closing.
Local decision guide
Use this guide to connect asset depletion loans eligibility, lender expectations, and local market factors before comparing payment options in Palo Alto.
Palo Alto attracts retired executives, equity-rich founders, and long-term investors. Many have serious wealth but no W-2 to show a conventional lender.
Asset depletion loans solve that problem. Your liquid assets — brokerage accounts, savings, retirement funds — become your qualifying income.
Lenders divide your eligible assets by a set number of months — typically 60 to 84. That monthly figure becomes your qualifying income.
Big banks rarely touch asset depletion deals. This is a non-QM product — it lives in the wholesale and portfolio lending world.
At SRK CAPITAL, we work with 200+ wholesale lenders. We know which ones have the best asset depletion programs for high-value California purchases.
The most common mistake: borrowers submit retirement accounts at full face value. Most lenders discount tax-deferred accounts before calculating income.
Present your most liquid assets first. Brokerage and savings accounts get the least haircut. That directly affects your qualifying income number.
Bank statement loans work if you run a business with monthly deposits. Asset depletion works if your money sits in accounts, not flowing through a business.
DSCR loans require rental income from the property itself. Asset depletion has no income requirement at all — just the assets you already hold.
Palo Alto sits in Santa Clara County, home to some of the highest property values in California. Asset depletion loans here often fund jumbo-sized purchases.
Many borrowers are post-liquidity event — recently sold a company or exercised stock options. That lump sum can power a strong asset depletion qualification.
Checking, savings, brokerage, and retirement accounts typically qualify. Lenders discount illiquid assets like real estate equity or business valuations.
Some lenders accept vested, publicly traded shares. Unvested options and restricted stock are almost never counted.
Yes. Non-QM loans carry a rate premium over conventional. Rates vary by borrower profile and market conditions.
It depends on the loan size and amortization schedule. Your assets must generate enough monthly income figure to cover the debt ratios.
Yes. Many non-QM lenders specifically designed these programs for high-balance purchases. Palo Alto prices often require jumbo amounts.
Absolutely — this is one of the most common use cases. Retirees with portfolios but no active income are ideal candidates.