Question 1

What assets count for qualification?

Accepted Answer

Brokerage accounts, IRAs, 401(k)s, savings, CDs, and now cryptocurrency through select lenders. Real estate equity and business assets typically don't count.

Question 2

How much do I need in assets?

Accepted Answer

Depends on loan amount and term. For a $600k loan with 20% down, expect to show $1.2M+ in qualifying assets to comfortably meet payment ratios.

Question 3

Can I use retirement accounts without penalties?

Accepted Answer

Yes. Lenders calculate theoretical income from the balance—you don't actually withdraw funds. The account stays intact during the loan.

Question 4

Do rates differ from conventional loans?

Accepted Answer

Asset depletion rates run 1.5-2.5% higher than conventional. Rates vary by borrower profile and market conditions as of February 2026.

Question 5

How long does approval take?

Accepted Answer

With organized statements, 48-72 hours for initial approval. Full underwriting takes 10-15 days. Faster than tax return-based programs.

Asset Depletion Loans in Rio Vista: Qualify Using Your Investment Portfolio