Draft — unreviewed sample, not for publication. Pending named-byline and licensed-LO review.
The Asset Depletion Playbook
Turning liquid assets into qualifying income: how the depletion formula works, which accounts count, and when this beats every income-based path.
· 1 min read
Outline — pending named byline + LO review.
Who this is for
- Asset-rich, income-light borrowers (retirees, between ventures)
- Borrowers with large brokerage / retirement balances
How the math works
- The depletion formula: eligible assets ÷ term = monthly income
- Which accounts count and at what percentage (haircuts on retirement / equities)
- Seasoning and sourcing of the assets
Scenario examples
- [Retiree, large brokerage account, DSCR shortfall covered by depletion]
Qualification matrix
| Asset type | Eligible % | Notes |
|---|---|---|
| Cash / money market | — | Highest inclusion |
| Equities | — | Haircut applies |
| Retirement (pre-age) | — | Larger haircut |
What typically goes wrong
Indicative rate range
Add once LO-reviewed.
Estimates only. Actual rates, terms, and approval subject to lender underwriting, appraisal, and qualifying criteria.
We are currently licensed to originate in Texas. For other states this page is educational only and is not an offer to lend.