Loading
Sunnyvale sits at the heart of Silicon Valley. Many residents here have serious wealth tied up in stock portfolios, RSUs, and brokerage accounts — not paystubs.
Asset depletion loans turn those liquid assets into qualifying income. If you have the money, you shouldn't need a W-2 to prove it.
Typically 680+
Min Credit Score
60+ days
Asset Seasoning
60–70% of balance
Retirement Account Factor
Non-QM
Loan Type
Asset Depletion Loans in Sunnyvale
Lenders take your eligible liquid assets and divide them over a set term — typically 60 to 360 months. That monthly figure becomes your qualifying income.
Most lenders want to see assets in checking, savings, or brokerage accounts. Retirement accounts may count at a discount. Illiquid assets like real estate equity usually don't qualify.
Local decision guide
Use this guide to connect asset depletion loans eligibility, lender expectations, and local market factors before comparing payment options in Sunnyvale.
Sunnyvale sits at the heart of Silicon Valley. Many residents here have serious wealth tied up in stock portfolios, RSUs, and brokerage accounts — not paystubs.
Asset depletion loans turn those liquid assets into qualifying income. If you have the money, you shouldn't need a W-2 to prove it.
Lenders take your eligible liquid assets and divide them over a set term — typically 60 to 360 months. That monthly figure becomes your qualifying income.
Big banks rarely offer asset depletion programs. This is a non-QM product, meaning it lives in the wholesale and portfolio lender space.
At SRK CAPITAL, we work with 200+ wholesale lenders. Several specialize in non-QM products for asset-rich borrowers in high-cost markets like Sunnyvale.
The biggest mistake I see: borrowers assume any large balance qualifies. Lenders scrutinize asset seasoning — funds need to be in your account, typically 60+ days.
Also watch for lender overlays on vesting. Some won't count assets held jointly or in trust without extra documentation. Ask before you assume.
Bank statement loans work well if you run a business with steady cash flow. Asset depletion is better when your income is minimal but your balance sheet is strong.
DSCR loans are for rental property investors qualifying off property income. Asset depletion is personal — it's about your own financial reserves, not a property's rent roll.
Sunnyvale home prices demand large loan amounts. Asset depletion programs typically go up to jumbo loan territory, which matters here.
Tech workers approaching retirement, early retirees, and long-tenured employees with large vested stock positions are the borrowers this loan was built for in markets like this.
Yes, but most lenders apply a haircut — typically 60 to 70 cents on the dollar. Early withdrawal penalties also factor into the calculation.
No. Lenders calculate income mathematically from your balance. You keep the assets invested — they're just used to establish income on paper.
Most asset depletion lenders want 680 or higher. Some go down to 660 with a larger asset cushion and lower loan-to-value.
Yes, typically. Non-QM pricing carries a premium over conventional rates. Rates vary by borrower profile and market conditions.
Most lenders require 60 days of seasoning. Assets that recently moved from another account may need a paper trail showing the source.
Vested RSUs that have settled into your brokerage account usually count. Unvested shares do not — they're not liquid until they vest.