Question 1

Can I use stock options for asset depletion qualification?

Accepted Answer

Only vested, liquid options count. Unvested RSUs and options don't qualify because lenders can't verify guaranteed access to those funds.

Question 2

Do I need to liquidate my portfolio to close the loan?

Accepted Answer

No, lenders just verify you have the assets. You keep your investments intact and don't need to sell anything to qualify or close.

Question 3

How do lenders verify cryptocurrency holdings for these loans?

Accepted Answer

They require exchange statements or custodial verification showing 60 days of ownership. Values typically get reduced 20-30% for qualification calculations.

Question 4

What's the minimum down payment for asset depletion loans?

Accepted Answer

Most programs require 20% down minimum. Some lenders go to 15% with strong compensating factors like high credit scores or excess reserves.

Question 5

Can I combine asset depletion with rental income from other properties?

Accepted Answer

Yes, most lenders allow this. Rental income follows standard verification while assets use the depletion calculation for qualifying purposes.

Question 6

How long does asset depletion underwriting take compared to conventional?

Accepted Answer

Add 5-10 days for non-QM underwriting. Lenders need time to verify multiple account statements and calculate qualifying income across all holdings.

Asset Depletion Loans in San Jose: Qualify Using Your Investment Portfolio