Question 1

What assets count toward qualifying income?

Accepted Answer

Checking, savings, and brokerage accounts typically qualify. Retirement accounts count at a discount, usually 60-70% of their value.

Question 2

Can I use stock options or RSUs?

Accepted Answer

Only vested, liquid shares count. Unvested RSUs and options don't qualify until they're accessible and converted to cash.

Question 3

What credit score do I need?

Accepted Answer

Most asset depletion lenders want 680 or higher. Some go lower with stronger asset coverage and a larger down payment.

Question 4

How much do I need in assets to qualify?

Accepted Answer

It depends on the loan amount and term. Your assets divided by 360 months must meet the lender's minimum income threshold.

Question 5

Is this the same as an asset-based loan?

Accepted Answer

The terms are often used interchangeably. Both use liquid assets as a proxy for income rather than requiring pay stubs or tax returns.

Question 6

Do I need to liquidate my assets to qualify?

Accepted Answer

No. Lenders calculate income from your asset balance. You don't need to sell anything — just prove the assets exist and are accessible.

Asset Depletion Loans in Santa Clara, CA