Question 1

What assets count for this loan in Dinuba?

Accepted Answer

Checking, savings, money market, stocks, and bonds typically qualify. Retirement accounts usually count at 60–70% of value.

Question 2

Can I use farm sale proceeds to qualify?

Accepted Answer

Yes, if the funds are liquid and properly seasoned in your account. Lenders want to see a clear paper trail on the source.

Question 3

How much do I need in assets to qualify?

Accepted Answer

It depends on the loan amount, but most borrowers need $500K or more. Higher loan amounts require significantly more in liquid assets.

Question 4

Is asset depletion available for investment properties?

Accepted Answer

Yes. Most non-QM lenders offering this program allow it on investment properties, though rates and reserves may differ.

Question 5

How long does an asset depletion loan take to close?

Accepted Answer

Expect 21 to 35 days. Non-QM underwriting is manual, so documentation quality drives the timeline more than anything else.

Asset Depletion Loans in Dinuba, CA