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Santa Clara sits at the heart of Silicon Valley. Retired tech executives and equity-rich founders live here in force.
Many of these borrowers have millions in liquid assets but no W-2. Asset depletion loans are built for exactly that profile.
680+
Typical Min Credit Score
60-90 Days
Statement History Needed
360 Months
Asset Calculation Term
Non-QM
Loan Classification
Asset Depletion Loans in Santa Clara
Lenders take your eligible liquid assets and divide them over a loan term — typically 360 months. That math creates a monthly income figure.
Most programs require assets held in verifiable accounts: brokerage, checking, savings, or retirement funds with a discount applied.
Local decision guide
Use this guide to connect asset depletion loans eligibility, lender expectations, and local market factors before comparing payment options in Santa Clara.
Santa Clara sits at the heart of Silicon Valley. Retired tech executives and equity-rich founders live here in force.
Many of these borrowers have millions in liquid assets but no W-2. Asset depletion loans are built for exactly that profile.
Lenders take your eligible liquid assets and divide them over a loan term — typically 360 months. That math creates a monthly income figure.
No bank branch in Santa Clara is going to hand you an asset depletion loan over the counter. These are non-QM products held by private lenders.
We work with 200+ wholesale lenders, and only a subset do asset depletion well. Pricing and asset calculation methods vary significantly across them.
The biggest mistake we see: borrowers lumping in illiquid assets. Real estate equity and unvested stock don't count. Only liquid, accessible funds qualify.
Get your statements clean and current. Lenders want 60-90 days of account history. Large deposits need sourcing letters.
Bank Statement Loans work better if you're still running a business with consistent deposits. Asset depletion fits the fully retired or semi-retired borrower.
DSCR Loans are the move if the property itself generates rental income. Asset depletion is personal — it's tied to your balance sheet, not the property.
Santa Clara County property values are high. Loan amounts on these deals often push into jumbo territory, which tightens lender requirements further.
Many borrowers here are former tech employees sitting on sizable brokerage accounts post-liquidity event. Asset depletion was practically designed for this scenario.
Checking, savings, and brokerage accounts typically qualify. Retirement accounts count at a discount, usually 60-70% of their value.
Only vested, liquid shares count. Unvested RSUs and options don't qualify until they're accessible and converted to cash.
Most asset depletion lenders want 680 or higher. Some go lower with stronger asset coverage and a larger down payment.
It depends on the loan amount and term. Your assets divided by 360 months must meet the lender's minimum income threshold.
The terms are often used interchangeably. Both use liquid assets as a proxy for income rather than requiring pay stubs or tax returns.
No. Lenders calculate income from your asset balance. You don't need to sell anything — just prove the assets exist and are accessible.