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.
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: $1,200,000Divided by 360 months (30 years):
1,200,000÷360=1,200,000÷360=
$3,333/month
The lender treats this as a $3,333 monthly income for mortgage approval.
Ideal for retirees, investors, or those living off investments. Can include savings, stocks, bonds, mutual funds, and sometimes retirement accounts.
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.
You keep your investments intact while qualifying for a loan.
ID & Social Security Number (for credit verification) Purchase Agreement or Refinance Details (if applicable) Home Appraisal & Insurance (arranged through our network)
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)
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.
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.
A DSCR loan (Debt Service Coverage Ratio loan) is financing based on a property’s income, not your personal earnings. Lenders check if the property’s cash flow (NOI) can cover the loan payments by calculating the DSCR ratio. A ratio of 1.0 or higher means it’s a good fit. Perfect for investors relying on rental income
Read More >
A fix & flip loan is short-term financing that lets real estate investors quickly buy a property, fund renovations, and sell it for profit. Unlike traditional mortgages, these loans are all about speed; you get fast approval and funding, but typically pay higher interest rates (often 8-12%).
Read More >
ITIN loans provide a path to homeownership for non-U.S. citizens and residents who don’t have a Social Security number (SSN) but have an Individual Taxpayer Identification Number (ITIN). These loans allow borrowers to purchase, refinance, or renovate properties using their ITIN instead of an SSN, making homeownership accessible to immigrants, foreign nationals, and undocumented individuals who pay U.S. taxes.
Read More >
Rental property financing that evaluates the property's income potential rather than the borrower's personal earnings. Uses the Debt Service Coverage Ratio. Ideal for building long-term rental portfolios.
Read More >
