No. The assets just need to be documented with recent statements. They stay right where they are — invested, growing, untouched. We're using the existence of the assets to establish qualifying income, not the assets themselves.

Checking and savings accounts (100%), brokerage and investment accounts (70%), IRA and 401(k) pre-tax (60% — or up to 100% if you're past RMD age, depending on the lender). Joint accounts typically count at 50% unless both account holders are on the loan. Business accounts may count with proper documentation.

Yes — and this is often the strongest approach. Asset depletion income + Social Security + pension or rental income can qualify you for a significantly larger loan than any one source alone. We add them together and find the right lender for the combined profile.

Most asset depletion programs require 680–720+. Strong credit typically means better rates even within this product category. Borrowers with 740+ generally see the most competitive pricing.

Yes — in fact this is one of the most common scenarios. You may have 30+ years of W-2 history but no current income. Asset depletion doesn't require any employment history. Your balance sheet is the qualification, not your income history.