May 4, 2026 · Nate Jones, NMLS #304056
Asset Depletion Loan Explained
How lenders turn your assets into qualifying income — without a paycheck.
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What People Ask
What is an asset depletion loan?
An asset depletion loan qualifies you using your savings and investment assets instead of income. Lenders divide your total eligible assets by the loan term to create a monthly qualifying income figure. No job required. No W-2 required.
Who qualifies for an asset depletion loan?
Retirees, business sellers, and high net worth borrowers who have significant assets but no active paycheck. If you have $1M+ in eligible assets, an asset depletion loan can generate meaningful qualifying income.