💰 Asset-Depletion Loans: How Investors Qualify Using Their Assets Instead of Income

Most investors have one problem in common: your tax returns don't tell the full story.

You might have strong liquidity, great credit, and a rock-solid real estate strategy…

…but your taxable income shows next to nothing because your CPA is doing their job.

That's where asset-depletion loans come in — and it's one of the most misunderstood Non-QM programs out there.

Banks rarely offer it, credit unions avoid it, and most lenders don't know how to calculate it.

At Rockhouse Mortgage, we do.

And for the right borrower, this program can be a game-changer.

Let's break it down, step by step.

What Is an Asset-Depletion Loan? (Simple Definition)

Instead of qualifying based on your income, you qualify based on your assets.

Your assets are converted into a monthly income figure using a lender-approved formula.

That "income" is then used to approve a mortgage.

This is perfect for:

• •Real estate investors
• •Retirees
• •Business owners
• •Entrepreneurs with low taxable income
• •High-net-worth individuals with inconsistent cash flow

If you have assets but don't want to touch them — this loan works for you.

Which Assets Count?

Lenders will use a percentage of your liquid or semi-liquid assets, typically:

Every one of these rules depends on the wholesale lender — and Rockhouse has multiple options.

How the Income Calculation Works (Super Simple Example)

Let's say you have:

• •$200,000 in checking/savings
• •$300,000 in brokerage accounts
• •$250,000 in retirement accounts

Lender might count:

• •100% of $200,000 = $200,000
• •75% of $300,000 = $225,000
• •70% of $250,000 = $175,000

Total qualifying assets = $600,000

Now divide that over an income period, usually 60 months or 84 months:

So on paper, you now "earn" $10,000 per month — regardless of what your tax returns say.

That's enough income to qualify for:

• •Primary homes
• •Second homes
• •Investment properties
• •DSCR alternatives
• •Complex loan structures banks won't touch

Why Investors Love Asset-Depletion Loans

Most investors are in one of these categories:

The Rockhouse Advantage

Most banks do NOT offer asset-depletion loans.

And the ones that do usually have heavy overlays.

At Rockhouse Mortgage:

• ✓We work with multiple wholesale lenders
• ✓Guidelines vary — so we can match you to the best fit
• ✓We structure the loan around your assets
• ✓You get flexible terms the banks don't offer

This is exactly why investors and high-net-worth borrowers work with a broker instead of a traditional bank.

Who This Program Works Best For

• •Real estate investors with strong liquidity
• •Retirees with large portfolios
• •Borrowers with fluctuating income
• •Business owners with large write-offs
• •Borrowers who want the simplest possible documentation

If you have $300k–$5M+ in liquid assets, this program is often easier than bank-statement loans or P&L loans.

Rockhouse Mortgage Makes It Easy (Simple 3-Step Process)

1. 1
   Quick Conversation

   We review your goals and your asset types.

   No pressure — just a plan.

   👉 Schedule: https://calendly.com/rockhousemortgage

2. 2
   Asset Review + Pre-Approval

   You upload your account statements.

   We calculate your qualifying income and structure the loan for max approval.

3. 3
   Final Approval + Close

   We match your scenario with the right wholesale lender and close the loan.

   👉 Apply: https://rockhouse.my1003app.com

Ready to See If You Qualify?

Asset-depletion loans are the perfect solution when:

• •Banks say no
• •Your tax returns are too low
• •You want a simple path to approval
• •You have strong assets but inconsistent income
• •You're growing your real estate portfolio

Rockhouse Mortgage is built for this.

Let's run your numbers and see what's possible.