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Suisun City sits in Solano County — one of the Bay Area's more affordable entry points. That attracts retirees and asset-rich buyers who don't draw a traditional paycheck.
Asset depletion loans let those buyers qualify using liquid assets instead of income. No W-2 required. No pay stubs.
620+
Min Credit Score
20–30%
Down Payment
Non-QM
Loan Type
60–90 Days
Asset Seasoning
Asset Depletion Loans in Suisun City
Lenders calculate a monthly income figure by dividing your liquid assets over a set term — often 60 to 360 months. That number replaces traditional income on your application.
You typically need strong credit and significant liquid reserves. Stocks, bonds, money market accounts, and retirement funds often qualify. Illiquid assets like real estate equity usually don't count.
Local decision guide
Use this guide to connect asset depletion loans eligibility, lender expectations, and local market factors before comparing payment options in Suisun City.
Suisun City sits in Solano County — one of the Bay Area's more affordable entry points. That attracts retirees and asset-rich buyers who don't draw a traditional paycheck.
Asset depletion loans let those buyers qualify using liquid assets instead of income. No W-2 required. No pay stubs.
Lenders calculate a monthly income figure by dividing your liquid assets over a set term — often 60 to 360 months. That number replaces traditional income on your application.
This is a non-QM loan. Most big retail banks don't offer it. You need a broker with access to wholesale non-QM lenders — and there are meaningful differences between them.
Some lenders apply a 30% haircut to retirement accounts. Others won't count them at all. Rate spreads across lenders on this product can be wide. Shopping matters.
The biggest mistake I see: borrowers documenting assets sloppily. Lenders want 2-3 months of statements showing the funds are seasoned. Last-minute transfers raise red flags.
Down payment requirements run higher than conventional loans — expect 20-30% down. Budget for that before you start shopping properties in Suisun City.
Bank Statement Loans are the other common non-QM option for non-traditional borrowers. They work better if you have ongoing self-employment income to show.
Asset depletion wins when your income on paper is minimal but your balance sheet is strong. Retirees living off investments are the textbook use case for this product.
Suisun City draws buyers relocating from pricier Bay Area markets. Many arrive with substantial equity cashed out from San Francisco or Marin County sales.
That cash-out equity, once liquid and seasoned, can fuel an asset depletion qualification. It's a common play for buyers downsizing into Solano County.
Checking, savings, stocks, bonds, and money market accounts typically qualify. Retirement accounts often count at a reduced value.
They divide your total eligible assets by a set number of months — often 60 to 360. That result becomes your qualifying monthly income.
Yes, once those funds are in your account and seasoned — usually 60 to 90 days. Document the source clearly with closing statements.
Yes. It's a loan program tied to your financial profile, not your location. Suisun City properties are eligible through non-QM wholesale lenders.
Most lenders want 620 or higher. Better scores get better rates. Rates vary by borrower profile and market conditions.
Conventional loans require documented employment income. Asset depletion loans substitute liquid assets for income — no pay stubs needed.