Retirees, high-net-worth individuals, and recent business sellers
Asset Depletion — Your Balance Sheet Is Your Income
Asset depletion (asset-based) loans convert your liquid assets — brokerage accounts, retirement funds, cash — into qualifying income by dividing them over the loan term. Ideal for retirees, recent business sellers, and high-net-worth buyers whose wealth doesn't show up on a W-2.
★★★★★ 210+ five-star reviews · Free consultation · No credit pull to start
How it works
A typical program totals your eligible liquid assets (often counting retirement accounts at 70% if you're under 59½) and divides by a fixed number of months to produce a monthly "income." $2M in eligible assets can qualify like a healthy six-figure salary — without a paycheck.
It pairs well with the rest of Cris's non-QM toolkit: if asset depletion alone doesn't get you there, deposits or rental income can often be layered in.
The Process
Getting an asset depletion loan done
Most people put this off because it feels enormous. It isn't. Here's the whole thing.
- 0115 minutes
A real conversation
Tell Cris what you're trying to do. He'll tell you honestly what's possible, what it costs, and what to fix first. No credit pull, no obligation, English or Spanish.
- 0224–48 hours
A pre-approval that holds up
Full credit and income review — not a 10-minute pre-qual. Your agent gets a lender who calls listing agents to vouch for your file, which is how offers get accepted.
- 03Typically 21–30 days
Close on time
You get updates before you have to ask for them. Texts get answered the same day — usually within the hour. That's what 210+ five-star reviews are actually describing.
Asset Depletion — Questions We Get Every Week
+Which assets count for asset depletion?
Checking, savings, brokerage accounts, and usually retirement accounts (sometimes discounted if you're under retirement age). Funds must be seasoned and documented — we'll map exactly which accounts to use before underwriting sees the file.
Rather just talk it through?
Call or text Cris directly. English or Spanish, no pressure, and no credit pull to get a straight answer about asset depletion loans.
★★★★★ 210+ five-star reviews · Texts answered same day · Ready to apply? Start your application