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Dinuba sits in Tulare County's agricultural core. Wealth here often comes from farm sales, land equity, and business exits — not W-2 paychecks.
Asset depletion loans let you qualify using liquid assets. No job required. No pay stubs needed.
$500K+
Typical Min Assets
60–84 months
Asset Spread
Varies by lender
Min Credit Score
Non-QM
Loan Type
Higher than QM loans
Rate Note
Asset Depletion Loans in Dinuba
Lenders divide your liquid assets by a set number of months — often 60 to 84. That figure becomes your monthly income for qualifying.
You need substantial assets to make this work. Think $500K or more in verifiable, liquid accounts. Retirement accounts often count at a discount.
Local decision guide
Use this guide to connect asset depletion loans eligibility, lender expectations, and local market factors before comparing payment options in Dinuba.
Dinuba sits in Tulare County's agricultural core. Wealth here often comes from farm sales, land equity, and business exits — not W-2 paychecks.
Asset depletion loans let you qualify using liquid assets. No job required. No pay stubs needed.
Lenders divide your liquid assets by a set number of months — often 60 to 84. That figure becomes your monthly income for qualifying.
Big banks won't touch this loan. It's a non-QM product, meaning it lives outside conventional lending guidelines.
We work with 200+ wholesale lenders at SRK CAPITAL. Several specialize in asset depletion. Rates vary by borrower profile and market conditions.
The biggest mistake I see: borrowers assume all lenders calculate asset income the same way. They don't. One lender might use 60 months. Another uses 84.
That difference can mean thousands per month in qualifying income. Getting the right lender matters more than the rate on this product.
Bank statement loans work better if you have active business income. Asset depletion is for borrowers who've already built the wealth and stopped drawing a check.
DSCR loans are another option if you're buying rental property. Asset depletion fits primary residences, second homes, and investment properties alike.
Tulare County sees a lot of agricultural land sales and generational wealth transfers. That creates exactly the borrower profile asset depletion was built for.
If you sold a farm, inherited land, or exited a business, you may be sitting on real buying power with no traditional income to show. This loan solves that.
Checking, savings, money market, stocks, and bonds typically qualify. Retirement accounts usually count at 60–70% of value.
Yes, if the funds are liquid and properly seasoned in your account. Lenders want to see a clear paper trail on the source.
It depends on the loan amount, but most borrowers need $500K or more. Higher loan amounts require significantly more in liquid assets.
Yes. Most non-QM lenders offering this program allow it on investment properties, though rates and reserves may differ.
Expect 21 to 35 days. Non-QM underwriting is manual, so documentation quality drives the timeline more than anything else.