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Asset Depletion Loans
Leverage Your Assets for Home Financing
Updated: February 2026
Reviewed: February 2026 by Sebastian Naranjo, NMLS #2313958
At SRK CAPITAL, we know that traditional loan requirements aren't for everyone. Asset Depletion Loans are perfect for those whose financial strength is reflected in assets rather than a traditional income stream. They offer an intelligent, efficient way to access mortgage financing. By leveraging liquid assets like savings, or retirement accounts, these loans remove the limitations imposed by conventional mortgages.
What Is an Asset Depletion Loan?
An Asset Depletion Loan lets you qualify for financing based on verified liquid assets rather than documented income. This approach is particularly beneficial for individuals who have significant savings or investments. You don't need to earn a steady, reportable income that traditional mortgage ask for.
These loans do not rely on tax returns, W-2s, or pay stubs. A lender calculates a monthly income by dividing the total value of eligible assets over a defined term. The term is typically 240 months (20 years). This calculated income serves as the qualifying metric for loan approval.
Who Can Be Helped By an Asset Depletion Loan?
1. Retirees
Retired individuals with significant savings, trust, or retirement accounts can use their wealth to secure home financing. This type of loan lets you pursue real estate opportunities without the need of traditional income streams.
2. Self-Employed Professionals
Entrepreneurs and business owners often show irregular income or reduced taxable earnings due to strategic deductions. An Asset Depletion Loan provides a different pathway for these individuals to show financial stability. It allows them to secure the financing they need for any property.
3. High-Net-Worth Individuals
For those with significant liquid assets but minimal reported income, this program transforms your wealth into an approval metric. Stocks, bonds, and large savings accounts can be used to qualify for a home financing. All without the need to liquidate investments, preserving long-term growth while securing immediate financing.
4. Real Estate Investors
Property investors often have diversified portfolios and varying income streams. Asset Depletion Loans allow property investors to leverage their liquid assets to finance new acquisitions or refinance existing properties. This in turn enables continued growth and portfolio expansion.
5. Divorcees or Beneficiaries
Individuals who have received large settlements, trust funds, or inheritances can use these assets instead of regular employment income. It provides a reliable path to buy or refinance properties during significant life transitions.
How Asset Depletion Loans Work
The process of qualifying for an Asset Depletion Loan is straightforward and designed to focus on your liquid assets:
Asset Evaluation
Eligible assets are identified and reviewed. Qualifying assets include:
- •Cash reserves in savings or checking accounts
- •Stocks and bonds
- •Mutual funds
- •Certificates of Deposit (CDs)
- •Qualified retirement accounts (401(k), IRA)
- •Other verifiable liquid assets
Income Calculation
The total value of your eligible assets is divided by a set term. Lenders vary when it come to the set term, but 240 months is commonly used.
Example: If you have $2,400,000 in eligible assets: $2,400,000 / 240 months = $10,000 in calculated monthly income
This calculated income serves as the basis for loan approval and ensures alignment with lender requirements.
Because of their qualification method, Asset Depletion Loans have a streamlined approval process. That makes these loans ideal for borrowers trying to avoid the unnecessary burdens found with conventional loans.
Eligible Assets
Examples of Assets that are allowed include:
Bank Accounts
Checking and savings accounts.
Investment Accounts
Stocks, bonds, and mutual funds.
Retirement Accounts
IRAs, 401(k)s, and lump-sum retirement distributions.
Certificates of Deposit (CDs)
Time deposits held at financial institutions.
Important Note: It's important to note that some lenders apply a discount to certain assets, like retirement accounts. This especially true if you're under the age of retirement.
Advantages of Asset Depletion Loans
Access to Luxury and Investment Properties
These loans are perfect for buying high-value homes and vacation properties in premier destinations. It can also be used for strategic real estate investments that align with their portfolio goals.
No Traditional Income Requirements
Asset Depletion Loans focus on your financial strength, not tax returns, pay stubs, or W-2s. This flexibility opens opportunities for borrowers with complex financial situations.
Leverage Your Wealth
Use your savings, investments, and retirement accounts to secure a mortgage. You can do so without liquidating your assets, preserving long-term financial goals.
Flexible Eligibility
This program is ideal for retirees, self-employed individuals, and high-net-worth borrowers who have significant assets but non-traditional income. It also accommodates divorcees and trust beneficiaries.
Higher Interest Rates
These loans often come with slightly higher rates due to the unique qualification process.
Preserve Your Cash Flow
Keep your investments while accessing the financing you need for property purchases or refinancing. This type of loan ensures you have liquidity for other ventures.
The SRK CAPITAL Difference
At SRK CAPITAL, we specialize in providing specialized mortgage solutions. Every loan program that we offer are meant to meet the unique individual needs of our clients
Personalized Service
Our team works closely to understand your financial situation and long term goals.
Expert Guidance
We navigate the complexities of asset-based lending, ensuring a smooth and stress-free experience.
Competitive Rates
We only offer the industries best rates and terms available to our clients.
Commonly Asked Questions
Get answers to frequently asked questions about Asset Depletion Loans.
This mortgage is typically meant for primary residences. For investment properties, other financing choices can be a better fit.
Contact SRK CAPITAL Today
Ready to learn how an Asset Depletion Loan can work for you? At SRK CAPITAL, we specialize in helping asset-rich borrowers secure loans that traditional income-focused programs aren't a good fit.
Contact SRK CAPITAL today to find out if an Asset Depletion Loan is right for you.
Financial Disclosure
The information provided on this page is for educational purposes only and does not constitute financial, legal, or tax advice. Mortgage rates and terms are subject to change and may vary based on your individual financial situation. Please consult with a licensed mortgage professional at SRK CAPITAL for personalized guidance.