Question 1

What types of assets count for asset depletion loans?

Accepted Answer

Stocks, bonds, mutual funds, and retirement accounts all count. Some lenders now accept verified cryptocurrency with a discount applied to account for volatility.

Question 2

Can I use my 401(k) to qualify without withdrawing funds?

Accepted Answer

Yes, lenders calculate a monthly income figure from your balance. You don't withdraw anything, they just use it for qualifying purposes.

Question 3

Do asset depletion loans work for investment properties in Porterville?

Accepted Answer

They can, but DSCR loans usually make more sense for rentals. Asset depletion works best for primary and second homes.

Question 4

How much larger does my portfolio need to be than my loan amount?

Accepted Answer

Most deals work when assets are 2-3 times the loan amount. A $400,000 loan typically needs $800,000 to $1.2 million in verifiable accounts.

Question 5

What interest rates should I expect on asset depletion loans?

Accepted Answer

Rates run 1-2% higher than conventional loans as of February 2026. Strong credit and larger down payments help secure better pricing.

Asset Depletion Loans in Porterville: Qualify Using Your Investment Portfolio