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Self-employed & other income

Asset-depletion or asset-qualifier mortgage

The short answer These approaches use eligible, verified assets to help show you can repay the loan. One method turns assets into an income figure; another lender may require a certain amount of assets instead. How easy the assets are to access, who owns them, how long they have been in place, the account type, closing funds, and remaining reserves all matter, and there is no single formula.

Last reviewed: October 18, 2026 · General education, not a loan offer or approval. Availability and terms depend on the lender, the property and your file.

It may fit if

  • You have significant savings or investments but limited regular income, such as in retirement or between ventures.
  • Your assets are in accounts you own and can document.
  • You want to compare this with income-based options.

Tradeoffs to weigh

  • Not every asset counts; access, ownership, and account type rules apply.
  • Your home's value is usually not treated as a liquid qualifying asset.
  • Money used for closing and required reserves may reduce what counts.
  • Formulas and requirements differ widely by lender.

What to have ready

  • The general types of assets you hold (for example, savings, brokerage, or retirement accounts).
  • Whether the accounts are in your name.
  • Your goal: purchase or refinance, and the property type.
  • Any regular income you also have.
  • No account numbers or balances in chat; Marcus sends a secure link when documents are needed.

Questions people ask

Must I sell all my investments?

Not necessarily, but the assets must meet the lender's access and documentation rules.

Can I count the home's value as my qualifying liquid assets?

Do not assume so. Use the lender's actual definition of eligible assets.

Your next step

Tell me what you're trying to do. I'll check which options fit your situation and walk you through the tradeoffs.

Start my applicationTalk to Marcus

Related topics

Bank-statement mortgage Profit-and-loss (P&L) mortgage 1099-income mortgage Medical-professional mortgage ITIN mortgage Mortgage with tip income See the loan programs All topics
Marcus Wright
Who you'll work with

You work with me, start to finish.

Marcus Wright · Loan Officer, NMLS #2789841

Originates through Q Mortgage LLC, NMLS #2567464. Licensed in Texas.

Check my license on NMLS Consumer Access

I aim to get back to you within a few working hours, often sooner.

Se habla español. Every page and form here works in Spanish.

How it works

  1. 1. Tell me your goalCall, book a time or send a note. No SSN and no credit check to start a conversation.
  2. 2. I compare your optionsI look at your income, property and plans, and explain the costs and tradeoffs of each route in plain language.
  3. 3. Apply when you're readyYou apply through a secure application. The lender's underwriting makes the final decision, and I keep you updated until closing.
Contact

Let's talk about your loan.

Call, book a time, or send a quick note. Whatever's easiest.

(682) 403-3406Tap to call Pick a timeBook a call on my calendar Weekend timeSat–Sun, 11 a.m.–7 p.m. Central. I confirm it personally. marcus@qmortgage.aiEmail me anytime

Hours Weekdays 8 a.m.–8 p.m. Central. Weekends 11 a.m.–7 p.m. Central by appointment.

I aim to get back to you within a few working hours, often sooner.

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