Asset depletion
A non-QM income qualification method that counts liquid assets — investment portfolios, retirement accounts, savings — as qualifying income by dividing the total balance over the loan term. For example, $1,200,000 in assets divided over 360 months (30 years) yields $3,333/month in qualifying income. Used by retirees and high-net-worth borrowers who have significant assets but limited ongoing income from employment. Non-QM loan options →