Asset Depletion Loan Overview:
Program Overview
Documents you'll need
Benefits of an Asset Depletion Loan
Apply today!
What is an
Asset Depreciation Loan?
What is an Asset Depletion Loan?
Instead of relying solely on traditional income like a salary or wages, the lender calculates a borrower’s income based on their total liquid assets. The lender divides the total value of the assets by a certain number of months (often 60 months, or 5 years) to estimate a monthly income. This “deemed income” from the assets is then added to or used instead of earned income to determine the borrower’s ability to repay the loan.
How Does an Asset Depletion Loan Work?
Instead of relying on pay stubs or tax returns, lenders calculate an implied income based on the borrower’s eligible assets (such as cash, stocks, bonds, or retirement accounts). The lender divides the total usable assets by a set number of months (often 240 or 360) to determine a “monthly income” for qualification.
Example:
Total Eligible Assets: $1,200,000
Divided by 360 months (30 years):
1,200,000÷360=3,333/month
The lender treats this as a $3,333 monthly income for mortgage approval.
Key Features & Benefits
No Traditional Income Required
Ideal for retirees, investors, or those living off investments. Can include savings, stocks, bonds, mutual funds, and sometimes retirement accounts.
Expert Service
Our dedicated loan experts bring decades of experience to every deal. As your premier mortgage lender we will craft solutions tailored to your project’s unique needs.
No Need to Liquidate Assets
You keep your investments intact while qualifying for a loan.
We specialize in making your loans accessible and stress-free. Our team will guide you through each step of the process. When you’re ready to begin, we’re here to help.
Documents you will need:
The Documents
you will need:
Identity Verification
ID & Social Security Number (for credit verification) Purchase Agreement or Refinance Details (if applicable) Home Appraisal & Insurance (arranged through our network)
Proof of Assets
Bank & Brokerage Statements (2–3 months) Investment Accounts (stocks, bonds, mutual funds) Retirement Accounts (IRA, 401k – we maximize eligible assets) Other Liquidity (CDs, money market accounts)
Interested in Asset Depletion Loan?
An Asset Depletion Loan is ideal for:
- High-net-worth individuals who have significant savings or investment accounts but limited monthly income.
- Self-employed professionals with fluctuating or hard-to-document income.
- Retirees living off investment portfolios rather than traditional pensions or wages
- Real estate investors who prefer to leverage assets rather than reportable income for financing.
- Entrepreneurs reinvesting earnings back into their businesses and minimizing taxable income.
Take the Next Step
At Pro Investor Capital, we specialize in Asset Depletion Loans—the perfect solution for high-net-worth individuals, retirees, and self-employed professionals with strong savings but limited reportable income. Instead of relying on paystubs or tax returns, we use your liquid assets to help you qualify for the home you want.
Whether you’re buying a primary home, second property, or investment real estate, this flexible financing option helps you avoid the limits of traditional lending—no W‑2s required.
Let your wealth work for you. Contact us today to see how an asset-based mortgage can turn your financial strength into real estate success.