Explore qualification using eligible financial assets
An asset depletion mortgage converts eligible documented assets into a calculated income figure for underwriting. It may suit retirees, self-employed borrowers, or others with substantial assets and limited traditional employment income.
Request My Asset Depletion Loan ReviewAccount ownership, liquidity, access restrictions, market exposure, debts, credit, and funds needed for closing or reserves affect the calculation. Pledged assets, business funds, or inaccessible accounts may be excluded.
After applying any required discounts and deductions, a lender divides eligible assets by its prescribed period to estimate monthly qualifying income. There is no universal divisor. Real estate equity alone is not the same as eligible liquid assets.
Asset depletion describes an underwriting calculation. It does not automatically require liquidating or pledging investments, and it is not a securities-backed line of credit. Confirm any separate collateral requirement with the lender.
Complete only the form for the program you want reviewed. Estimates are welcome; optional fields may be left blank.
Do not enter Social Security numbers, account numbers, identification documents, or full financial statements.
Not sure which program fits? Call (818) 430-3615 or email redrconsultants@gmail.com to discuss your financing goals.