Asset-Based Mortgage Advisory • Austin & Texas

Asset Depletion Mortgages in Texas

Convert Your Liquid Wealth into Qualifying Income. No W-2s Required.

For retirees, entrepreneurs post-exit, and high-net-worth investors whose balance sheet far exceeds their current taxable income, asset depletion mortgages provide a direct path to home financing. Adam Styer connects Texas borrowers to wholesale lenders that convert eligible liquid assets into monthly qualifying income—without pledging collateral or moving accounts.

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By Adam Styer, Senior Loan Officer • NMLS #513013 • Company NMLS #2072896

Income Formula
Assets ÷ 36–84 Mo
Divided into monthly qualifying income
Account Haircuts
Cash 100% | Stocks 85%
Retirement counted at 70% before 59½
Loan Amounts
To $4M–$5M+
Primary residences, second homes, and rentals
Account Control
Zero Pledged Assets
Keep funds at your current brokerage firm
What should I know about this option?

How Does Asset Depletion Mortgage Qualification Work?

Asset depletion (also known as asset amortization or asset dissipation) is an underwriting methodology that converts verified liquid assets into monthly income. Instead of requiring W-2 wages or business tax returns, lenders calculate how much monthly cash flow your balance sheet can reliably support.

Underwriters evaluate your liquid balances: checking, savings, and money market funds count at 100%; publicly traded stocks, ETFs, and mutual funds count at 80%–90% (to account for market fluctuations); and vested retirement accounts (401k, IRA) count at 70% if under age 59½ (80%–90% if over 59½). The discounted total is then divided by 36, 60, or 84 months to establish your monthly qualifying income.

Common Situations

Who This Program Is Built For

Clear borrower profiles where this financing structure provides substantial advantages.

Early Retirees & High-Net-Worth Individuals

Borrowers living comfortably off investments who have not yet reached Social Security or mandatory distribution age.

Founders Following an Equity Event

Entrepreneurs who sold a business and hold substantial cash/marketable securities but report minimal taxable W-2 salary.

Tech Employees with Vested Equities

Executives with substantial liquid brokerage accounts who want to qualify without selling shares and triggering capital gains taxes.

Trust Beneficiaries

Borrowers holding significant assets in Revocable Living Trusts looking to purchase high-value Texas residential properties.

Options & Milestones

Simple Options & 3-Step Process

Clear paths and milestones supported by independent wholesale processing.

60-Month Divisor Program

The industry standard: divides eligible net assets by 60 months. Provides high monthly income while maintaining generous reserve allowances.

Best for: Most high-net-worth purchase scenarios

36-Month Short Divisor

Maximizes qualifying income by dividing net assets across just 3 years. Generates the highest monthly income per dollar of liquid assets.

Best for: Borrowers with shorter asset horizons

Asset Coverage Test

Alternative method verifying that net unencumbered assets equal 100% of the loan amount plus 60 months of all liabilities.

Best for: Substantial multi-million balance sheets
01

Liquid Asset Audit

Adam reviews your brokerage, bank, and retirement statements to apply appropriate discounts and calculate your qualifying monthly income.

02

Wholesale Pricing Match

We shop across many wholesale lenders specializing in asset depletion to lock the lowest interest rate and highest loan-to-value.

03

Conditions Up Front

Without tax returns or employment audits, the verification process is streamlined, resulting in smooth, on-time closings.

Illustrative Scenario

In Action: A Clear Scenario

A transparent look at real-world numbers and successful funding.

Illustrative Case • Post-Exit Purchase Austin (Lake Travis), Texas

Lake Travis Homebuyer — $1.6M Purchase via Asset Depletion

The Situation: A retired technology consultant wanted to purchase a $1,600,000 home on Lake Travis with 25% down ($400,000), financing $1,200,000.

The Challenge: Having retired the prior year, their active taxable income was only $32,000 in dividends. A retail bank required 2 years of consistent taxable distributions and declined the loan.

The Wholesale Solution: Adam reviewed the borrower's $2,800,000 brokerage portfolio. After subtracting the $400,000 down payment and applying an 85% haircut to equities, eligible assets totaled $2,040,000. Dividing by a 60-month divisor created $34,000/month in qualifying income ($408,000/year). The borrower easily satisfied the 24% DTI threshold without selling a single stock share.

Disclosure: Illustrative scenario based on composite borrower profile. Actual interest rates, loan limits, and qualification guidelines depend on credit profile, property appraisal, and lender criteria.

Supporting Research & Worksheets

Explore the Details

In-depth underwriting guidelines, loan matrices, and interactive tools in our specialist resources.

Interactive Asset Depletion Calculator Calculate Income →

Enter your liquid cash, stocks, and retirement balances to see your qualifying monthly income.

High-Net-Worth Mortgage Hub Explore Hub →

Compare asset depletion against private bank relationship pricing and complex executive income.

Austin Jumbo Loans Overview Explore Jumbo →

Review jumbo underwriting guidelines, reserve requirements, and loan limits to $3M–$5M+.

Mortgage Payment Calculator Calculate Payment →

Model monthly payments across conforming, jumbo, and asset-based options.

How does the calculation work →

Clear Answers

Frequently Asked Questions

Straightforward answers to the questions Central Texas borrowers ask most.

Do I have to sell my stocks or liquidate assets to qualify?

No! You do not need to liquidate your investments or take actual monthly withdrawals. Underwriters simply use the calculated divisor figure on paper to satisfy federal Ability-to-Repay rules.

Do I have to move my assets to the lender's bank?

No. On wholesale asset depletion programs, you simply provide your existing account statements. Your assets remain at your existing brokerage firm (Charles Schwab, Fidelity, Vanguard, etc.) with zero liens or pledged collateral.

Can I use retirement accounts like an IRA or 401(k)?

Yes. Vested retirement funds are eligible. If you are under age 59½, lenders typically apply a 30% haircut (crediting 70% of the balance) to account for early withdrawal penalties and taxes. If over 59½, accounts count at 80%–90%.

Can restricted stock units (RSUs) or private company stock be used?

Publicly traded, fully vested shares are eligible. Unvested RSUs, stock options, and privately held company stock cannot be included until they are fully vested and traded on a public exchange.

What are the minimum credit score and down payment requirements?

Asset depletion programs typically require a minimum credit score of 680 to 700. Down payments generally start at 15% to 20% for primary residences and 20% to 25% for second homes or investment properties.

The Wholesale Advantage • Many wholesale lenders • Wholesale Pricing Without Corporate Bank Margins • Clear communication and the conditions list up front • Direct 1-on-1 Strategy from Adam Styer

Fast Scenario Review

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