This is one of the best-kept secrets in lending.

You might have more buying power than you think—especially if you have significant savings or investments but lower monthly income. That’s where asset depletion comes in.

What is it?
Instead of just looking at your monthly income from work, lenders can use your assets (cash, investments, retirement funds) as if they were generating monthly income. And we don’t even have to touch your investments.

How it works:
1️⃣ Add up eligible assets (checking, savings, retirement, investments).
2️⃣ Subtract any money you’ll use for your down payment and closing costs.
3️⃣ Divide the remaining balance by 120 months for All In One Loans. Note: Some other loans divide by as little as 84 months, and others as much as 240, so check with your lender.
4️⃣ That monthly “income” is added to your qualifying income.

Example:

• $1,200,000 in assets

• Minus $200,000 for down payment/closing costs = $1,000,000

• $1,000,000 ÷ 120 months = $8,333/month qualifying income added to your profile. (If you’re under 65 years old, you use 70% of that: $5,833.)

Why it matters:
✅ Great for retirees or self-employed borrowers with strong assets but lower income
✅ Can help you qualify for a larger loan or better terms
✅ Gives you more options without having to liquidate investments

💬 Thinking about buying but unsure you’ll qualify? Asset depletion might be the key.

📲 Call, text, or email me to see what this may be able to do for you.