Loading
Loading
Vacaville sits between Sacramento and the Bay Area. That position attracts retirees and cash-rich buyers who don't draw a traditional paycheck.
Asset depletion loans let lenders count your liquid assets as income. No W-2 required. No pay stubs needed.
Typically 680+
Min Credit Score
60–84 months
Asset Calc Window
No
W-2 Required?
20–30%
Typical Down Payment
Non-QM / Portfolio
Loan Type
Asset Depletion Loans in Vacaville
Lenders divide your eligible assets by a set number of months — typically 60 to 84. That monthly figure becomes your qualifying income.
Most lenders want to see liquid assets only. Think checking, savings, money market, and brokerage accounts. Real estate equity doesn'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 Vacaville.
Vacaville sits between Sacramento and the Bay Area. That position attracts retirees and cash-rich buyers who don't draw a traditional paycheck.
Asset depletion loans let lenders count your liquid assets as income. No W-2 required. No pay stubs needed.
Lenders divide your eligible assets by a set number of months — typically 60 to 84. That monthly figure becomes your qualifying income.
Big banks won't touch asset depletion loans. This is non-QM territory — wholesale lenders and portfolio lenders own this space.
At SRK CAPITAL, we work with 200+ wholesale lenders. We find which ones accept your asset mix and offer the sharpest pricing.
The asset calculation is where deals win or lose. Some lenders haircut retirement accounts by 30%. Others take the full balance. That gap changes your qualifying income significantly.
IRAs and 401(k)s often qualify — but the discount applied matters. We run your numbers across lenders before you ever submit an application.
Bank statement loans work better if you run a business with regular deposits. Asset depletion fits borrowers with large balances but minimal monthly cash flow.
DSCR loans cover investment properties using rental income. Asset depletion covers any property type using your saved wealth. Different tools for different situations.
Vacaville draws buyers relocating from the Bay Area with significant equity and retirement assets. Asset depletion is built for exactly that profile.
Solano County prices remain more accessible than neighboring counties. That means your assets stretch further here than in Marin or Contra Costa.
Checking, savings, money market, and brokerage accounts typically qualify. Retirement accounts may qualify with a lender-applied discount.
Yes. Asset depletion works for primary residences, second homes, and investment properties. Lender guidelines vary by property type.
Most non-QM lenders want 680 or higher for asset depletion. Some go lower with a larger down payment. Rates vary by borrower profile and market conditions.
It depends on the loan amount and the lender's calculation method. We run the math for your specific numbers before you apply.
No. This is a non-QM product. You need a wholesale or portfolio lender, not a retail bank branch.
Bank statements show cash flow from business activity. Asset depletion uses your total saved wealth. Retirees with low monthly deposits fit asset depletion better.