Qualify on the size of your portfolio alone. No withdrawals required. Your investments stay invested — your assets become your income story.
Your assets, your qualifying story
Traditional lenders want W-2s. Your wealth is in your portfolio. Asset depletion bridges that gap — without requiring you to liquidate a single share.
Liquid assets required to qualify
Assets stay fully invested
No liquidation events required
Commonly used for larger loans
This qualifying income is used to calculate your debt-to-income ratio — the same way W-2 income would be. Your actual assets remain untouched.
+ Investments stay fully invested — no disruption to your portfolio
+ No taxable distribution events triggered by the loan
+ Often the only qualifying path for early retirees
+ Rates comparable to traditional W-2 borrowers
! Requires substantial liquid assets (typically $500K+)
! Extensive documentation of account statements required
! Some account types (like irrevocable trusts) may not qualify
! Not all lenders offer true asset depletion — requires a specialist