💎 Asset Qualifier Loans
Retired or asset-rich? Your portfolio can qualify you.
Asset qualifier (asset depletion / asset utilization) programs convert liquid assets into qualifying income — dividing eligible balances over a set term, or simply requiring assets sufficient to cover the loan. Perfect for retirees, sellers of businesses, and anyone whose wealth doesn’t arrive as a paycheck.
Is this you?
Asset Qualifier Loans tend to be a great fit for…
- Retirees with strong portfolios and intentionally low taxable income
- Recent business sellers sitting on proceeds
- High-net-worth borrowers between liquidity events
- Anyone tired of explaining why they don’t have a W-2
Questions investors actually ask
Asset Qualifier Loans: straight answers
How do assets become "income"?
A common method divides eligible liquid assets by a fixed number of months (often 36–120 depending on the program) to produce a monthly qualifying figure. Some programs instead require total assets to cover the loan amount plus reserves. Different math, same idea: the money you have replaces the paycheck you don’t.
Do retirement accounts count?
Usually, with haircuts — programs commonly count a percentage of retirement balances (and of stocks/bonds) to buffer market risk, with age sometimes affecting the treatment. Cash typically counts at or near full value.
Do I have to move my accounts or pledge assets?
For most asset-depletion programs, no — you’re documenting balances, not pledging them. True pledged-asset loans are a different animal; happy to explain the distinction if a bank has offered you one.
Keep exploring
DSCR Loans
The rental’s income does the qualifying — no tax returns, no W-2s, no personal DTI math.
Learn more →Bank Statement Loans
Your deposits tell the income story — 12 or 24 months of statements instead of tax returns.
Learn more →1099-Only Loans
Qualify straight off your 1099s — no tax returns, no expense archaeology.
Learn more →Not sure if asset qualifier loans fit your deal?
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