Can My Assets Qualify Me for a Mortgage?

High net worth, low W-2? There's a loan for that. If you have significant savings, investments, or retirement accounts, asset depletion lets lenders count that wealth as qualifying income.

Asset Depletion Calculator — LoanSome Dough
Your Assets
Checking / Savings$150,000
$
100% counted
Stocks / Brokerage$400,000
$
70% counted
Discounted 30% for market volatility
Retirement Accounts (IRA/401k)$600,000
$
60% counted
Discounted 40% for early withdrawal penalty & taxes
Other Liquid Assets$0
$
100% counted
Drawdown Period
How many months to spread your assets over?
Down Payment
Down Payment Amount$100,000
$

This reduces qualifying assets available for depletion

Loan Details
Interest Rate7.500%
%
Loan Term
Max DTI43%
%
Qualifying Monthly Income
$7,583
from asset depletion over 120 months
$910,000Total eligible assets
$810,000After down payment
$3,261Max monthly payment
$465,000Est. max loan
Asset Breakdown
Checking/Savings (100%)$150,000
Stocks (70%)$280,000
Retirement (60%)$360,000
Other (100%)$0
Total Eligible $790,000
How It Works

Lenders divide your eligible assets by the drawdown period to calculate a monthly "income." No W-2 or tax returns needed. Great for retirees, investors, and the self-employed with significant assets.

This calculator provides estimates for informational purposes only and does not constitute a loan commitment or a pre-approval. Actual qualificiation depends on credit score, lender guidelines and full underwriting review.

Roxy Miles
NMLS#2464939

Complex Loans. Fun Lender.
Self-employed, retired and high-net-worth borrowers who don't fit traditional lending. Bank statement loans, asset depletion, reverse mortgages, jumbo financing and first lien HELOC strategy.