Question 1

What assets count for qualification in Yuba City?

Accepted Answer

Stocks, bonds, mutual funds, retirement accounts, CDs, and cryptocurrency all qualify. Real estate equity and illiquid business ownership don't count. Lenders need statements showing ownership and current value.

Question 2

Can I use my farmland equity for asset depletion?

Accepted Answer

No. Asset depletion requires liquid assets you could theoretically sell within weeks. Farmland is illiquid. Consider a HELOC or land equity loan instead if you need to tap that wealth.

Question 3

How do lenders calculate my qualifying income from assets?

Accepted Answer

They divide your total liquid assets by the loan term in months. A $1.8M portfolio divided by 360 months equals $5,000 monthly income. Some lenders use 240 or 180 months for higher qualifying income.

Question 4

What if my portfolio drops before closing?

Accepted Answer

Lenders verify assets again before funding. A significant drop can reduce your qualifying income below approval levels. Lock your deal when markets are stable and budget conservatively.

Question 5

Do I need to liquidate assets to get this loan?

Accepted Answer

No. You keep your investments. Lenders just use the balance to calculate qualifying income. You do need separate liquid funds for down payment and reserves, though.

Question 6

Are rates higher than conventional mortgages?

Accepted Answer

Yes. Expect rates 1-2% above conventional as of February 2026. You're paying for flexibility to qualify without traditional income documentation. Rates vary by borrower profile and market conditions.

Asset Depletion Loans in Yuba City — Qualify With Your Portfolio, Not Your Paystub