A mortgage that uses liquid assets to qualify instead of employment income, ideal for retirees and high-net-worth clients seeking flexibility.
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Asset Depletion loans allow borrowers to qualify for a mortgage using their liquid assets—such as cash, investment portfolios, or trust funds—instead of traditional employment income. The lender calculates an income stream based on those assets, making it possible to secure financing without pay stubs, W-2s, or ongoing job requirements. This approach is especially valuable for retirees, high-net-worth individuals, or clients whose wealth is tied up in investments rather than a regular paycheck, opening the door to primary residences, vacation homes, or luxury investment properties.
These loans remove unnecessary barriers for financially secure clients who may not fit the mold of traditional underwriting. By leveraging assets rather than employment, borrowers can purchase without tax return scrutiny, income documentation, or the need to liquidate investments prematurely. For clients with significant reserves, this offers both convenience and flexibility—whether the goal is downsizing, upgrading, or adding to a property portfolio.
Elliman Capital specializes in structuring asset-based financing for discerning clients. Start with our quick online application, and our team will review your asset portfolio, calculate qualifying income, and craft terms that align with your financial objectives.
