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Is Asset Depletion Loan right for you?
This loan is best suited for high-net-worth individuals who have substantial liquid assets but limited traditional income. It’s particularly beneficial for retirees or borrowers who rely on savings, investments, or retirement accounts instead of a steady paycheck.
Benefits of an Asset Depletion Loan
- Qualify using assets instead of employment income
- No need for traditional income verification
- Allows use of savings, investments, and retirement accounts
- Flexible underwriting for unique financial profiles
- Enables financing without liquidating assets
DSCR loan terms and eligibility requirements
- Minimum DSCR ratio typically 1.0–1.25+ (varies by lender)
- Loan amounts based on property income and value
- Credit score usually 620+ (higher preferred for better terms)
- Rental income must support monthly mortgage payment
- Available for residential investment properties
