Asset Depletion
When your income doesn't match your wealth. We turn your assets into a qualifying monthly income stream.
Retirees
Qualify using your retirement accounts even if you aren't drawing from them yet.
Investors
Leverage your brokerage accounts to increase your DTI capacity.
Preservation
You don't have to liquidate your assets to buy a home.
The Wealth-to-Income Framework
The Common Problem
"I have $2M in my brokerage account, but my tax returns only show Social Security income. The bank says I can't afford the home."
Short Answer: We use a formula to 'deplete' your assets over a 10-30 year period, creating a virtual monthly income that underwriters accept as qualifying salary.
Decision Framework
- Identify eligible assets (Brokerage, 401k, IRA).
- Apply a haircut (typically 70-100% of value).
- Divide by the loan term (e.g., 360 months).
- Add that number to your existing income.
Expert Opinion
Asset Depletion is the ultimate 'hidden' program for high-net-worth individuals. It allows you to keep your money invested and growing while still securing a low-rate mortgage.