Asset depletion loans
No paycheck? Your portfolio is the paycheck.
Qualify on what you own, not what you earn: no-income options with no employment check, asset math with 6x the buying power of agency rules, and nothing ever sold to make it work.
Program snapshot
Asset depletion at a glance
- Qualifies on
- your balance sheet
- Income & employment
- optional
- Asset math
- divided by 60-84 mo, not 360
- Leverage
- up to 85% LTV, no PMI
- Liquidation
- never required
Program menus from specialty wholesale lenders. Terms vary by tier and program and change without notice. Not an offer or approval.
Wealth without a W-2 is not a problem here.
We broker dozens of wholesale lenders, including the specialty shops whose guidelines read balance sheets, not pay stubs.
no DTI
no income, no employment check
The Asset Qualifier
True asset-qualifier programs skip income entirely. No employment verification, no income section on the application. Your eligible assets simply need to cover the loan, closing costs, sixty months of payments and debts, plus reserves.
- Built for retirees and the ultra-liquid
- Large settlements and windfalls welcome
- No monthly distribution setup required
6x
the buying power of agency math
Divisors that respect your money
Fannie and Freddie divide your assets by 360 months to invent an income. Specialty programs divide by 60 to 84. Same portfolio, radically different answer.
- $1.2M in assets: agency math says $3,333/mo
- The same $1.2M here: up to $20,000/mo
- That difference makes or breaks the deal
85%
max LTV, no PMI, nothing sold
Your portfolio never moves
Assets are paper-tested, never liquidated: no selling stocks, no drawing down accounts, no interrupting the compounding. And leverage runs to 80%, occasionally 85% for elite credit, with no PMI.
- Zero liquidation to qualify
- Money stays invested and earning
- Keep capital deployed, not parked in equity
Told no somewhere else?
Paycheck lenders can't read a balance sheet. We can.
You're under 59½
Retirement accounts count long before retirement age. 401(k), IRA, and SEP balances qualify with a haircut for early-withdrawal penalties, typically 70% of the vested balance under 59½ and 80 to 100% after. Built for tech equity, FIRE-style early retirees, and anyone whose wealth lives in tax-advantaged accounts.
You have income, just not quite enough
Hybrid programs stack asset depletion on top of W-2, 1099, or bank statement income. If the ratios miss by a few points, the portfolio bridges the gap. Especially strong for business owners who write income down aggressively but keep heavy cash reserves.
The money sits in the business
Select programs count business bank accounts, prorated to your ownership stake, with a CPA letter confirming the withdrawal wouldn't strain daily operations. Full owners can bring the whole balance to the table.
Some of it is crypto
A small but growing set of programs counts Bitcoin and Ethereum held on a regulated US exchange, with heavy volatility haircuts, typically counting 50 to 60% of market value. Early days, but the door is open, and we know who opens it.
From statements to quote, fast.
- 1
Show the accounts
Brokerage, retirement, bank, even eligible crypto. On qualifier programs there are no income documents to gather at all.
- 2
We pick the math that wins
Qualifier formula, short-divisor income, or stacking on top of what you earn, with haircuts optimized across the lender menu.
- 3
Quote in hand
Tier options laid side by side, fast.
The quick eligibility check.
- No liquidation, ever
- Retirement accounts count, even under 59½
- Stocks, funds, cash, and vested balances
- Business accounts with a CPA letter
- Stacks with W-2, 1099, or bank statement income
- Crypto on regulated US exchanges
Still running a business day to day? Our bank statement programs qualify on your deposits, and asset depletion can stack on top when the numbers run tight.
Straight answers
What is an asset depletion loan?
A mortgage that qualifies you on what you own instead of what you earn. The lender either converts your liquid assets into a monthly qualifying income using a divisor, or, on true asset-qualifier programs, skips income altogether and simply verifies your assets cover the loan, costs, sixty months of obligations, and reserves.
Do I have to sell or move my investments?
No, and this is the part people don't believe. The assets are paper-tested to prove ability to repay. Nothing is liquidated, pledged, or drawn down, and your money stays invested exactly where it is.
My bank offers asset depletion. Why is this different?
The divisor. Agency programs divide your assets by 360 months, so $1.2 million becomes $3,333 of monthly income. Specialty programs divide by 60 to 84 months, turning the same portfolio into as much as $20,000. Roughly six times the buying power from identical statements.
Can I use my 401(k) or IRA if I'm under 59½?
Yes. Pre-retirement accounts qualify with a haircut for the early-withdrawal penalty you'd theoretically face, typically 70% of the vested balance under 59½, rising to 80 to 100% after. You are not actually withdrawing anything either way.
Does cryptocurrency count?
On a small but growing set of programs, yes. Bitcoin and Ethereum held on a regulated US exchange can enter the calculation, discounted heavily for volatility, usually to 50 to 60% of market value. Self-custody wallets generally do not qualify yet.
What if I have income, just not enough of it?
Stack. Hybrid programs add asset-depletion income on top of your W-2, 1099, or bank statement income to bring the ratios in line. It is one of the cleanest fixes for a file that misses by a few points, and for business owners whose tax returns understate reality.
Put your assets to work without touching them.
Two minutes to send your scenario. No income documents, no cost, no obligation, and a quote from the whole specialty menu.
Guthix Lending • NMLS# 2672037 · Asset depletion programs are alternative-documentation loans. Eligible asset types, haircuts, divisors, leverage, credit minimums, and pricing vary by program and tier, and program menus change without notice. Figures shown reflect the most favorable available tiers, including 85% LTV, which is limited to select programs and elite credit profiles. Buying-power comparisons are illustrations based on stated divisors, not a quote. Digital-asset eligibility is limited to a small number of programs and holdings on regulated US exchanges. Not all borrowers will qualify. This is not a commitment to lend or an offer of specific terms.