💼 Asset Qualifier Loans
Your balance sheet is your income.
Plenty of people can easily afford a mortgage yet show almost no "income": retirees living on portfolios, recent business sellers, FIRE-movement savers. Asset qualifier (asset depletion) programs convert documented liquid assets into a qualifying income stream — or, on some programs, simply verify assets sufficient to cover the loan.
Is this you?
Asset Qualifier Loans tend to be a great fit for…
- Retirees and early retirees living on investments
- Business owners who recently sold a company
- High-net-worth borrowers with modest reported income
- Anyone told "you have plenty of money but no income"
Questions friends actually ask
Asset Qualifier Loans: straight answers
How do assets become "income"?
The most common method divides eligible liquid assets (after down payment and closing costs) by a fixed number of months — often the loan term or a set window like 60–84 months — and treats the result as monthly qualifying income. Formulas vary by investor; Joe will run yours against several.
Which assets count?
Checking, savings, money market, stocks, bonds, and mutual funds typically count at or near full value. Retirement accounts usually count at a discount (often 50–70%) and may require you to be 59½. Crypto and business accounts vary widely by program.
Do I need any employment at all?
On a true asset qualifier program, no — that’s the design. Some hybrid programs blend asset depletion with part-time or pension income for a stronger file.
How long do assets need to be seasoned?
Most programs want the assets in your accounts for a documented period — commonly 2 to 6 months — with large recent deposits explained (like your business sale, which is easy to paper).
Keep exploring
DSCR Loans
Investor loans where the rental income covers the payment. No personal income docs, no tax returns, no DTI.
Learn more →Bank Statement Loans
Qualify with 12–24 months of business or personal bank statements instead of tax returns. Built for the self-employed.
Learn more →1099 Income Loans
Qualify using 1–2 years of 1099 forms — no tax returns, no profit-and-loss gymnastics.
Learn more →Not sure if asset qualifier loans are right for you?
That’s literally what Joe is for. One conversation, all nine programs side by side, zero pressure to move forward.