Asset Depletion Loans

iFinance Florida

Why High-Net-Worth Clients Choose iFinance Florida for Asset-Based Lending


At iFinance Florida, we understand that wealth doesn’t always show up on a pay stub. If you’ve built your financial strength through investments, savings, or retirement accounts—but don’t have traditional income—an asset depletion loan may be the ideal solution. We help high-net-worth individuals turn liquid and semi-liquid assets into qualifying income, allowing you to qualify for the home you want without jumping through hoops.

What Is an Asset Depletion Loan?
An asset depletion loan is a non-QM loan product that allows borrowers to qualify based on their existing assets rather than income. Lenders use a formula to calculate how much monthly income your assets can theoretically generate—typically by dividing eligible asset balances by 60 to 120 months. This calculated “income” is then used to determine your loan eligibility.

Who Qualifies for an Asset Depletion Loan?
These loans are ideal for retirees, early retirees, trust beneficiaries, and self-funded individuals with substantial liquid assets (bank accounts, brokerage accounts, retirement funds). Qualification doesn’t rely on W-2s or 1099s, and credit score requirements generally start around 680. Acceptable assets often include stocks, bonds, cash equivalents, and certain retirement funds (subject to restrictions).

Why Consider an Asset Depletion Loan?
They provide a flexible, common-sense solution for borrowers who are asset-rich but income-light. You don’t need to liquidate your investments—just prove they exist and are accessible. Asset depletion loans often allow for higher loan amounts, flexible occupancy (primary, second home, or investment), and a faster approval process.

We Turn Assets Into Opportunity
At iFinance Florida, we know exactly how to present your asset portfolio for maximum approval strength. We’ll analyze your statements, calculate qualifying figures, and package your loan with precision—working directly with lenders who specialize in this underwriting model.

You’ve earned it. Now use it.
Schedule your free consultation today to find out how your assets can help you qualify for the home you want—with zero reliance on employment income.

Key Features and Benefits:

  • Leverage Existing Assets: Allows borrowers to use financial assets, including investments and retirement accounts, as collateral to demonstrate repayment capability.
  • Income Flexibility: Considers the borrower’s total net worth and asset portfolio, enabling those with substantial assets but limited income to qualify.
  • Personalized Loan Structures: Offers customized repayment terms and interest rates based on the borrower’s asset profile, ensuring a tailored lending experience.
  • Designed for High-Net-Worth Borrowers: Specifically crafted for individuals with significant assets who may not meet traditional income-based loan qualifications.

At iFinance Florida, we specialize in innovative mortgage solutions that empower high-net-worth clients to achieve their financial and homeownership goals. Let us help you unlock the potential of your assets with an Asset Depletion Loan tailored to your needs.

 

Apply Today!