Asset Depletion Wins: Qualifying the Wealthy Without W-2s

Learn how asset depletion (asset qualifier) loans convert liquid assets into qualifying income so retirees, recent business sellers, and high-net-worth clients can get mortgages without W-2s or tax returns. The episode explains 2026 guidelines — typical haircuts, depletion periods (60–84 months), minimum assets, credit and down payment expectations, eligible assets, common pitfalls, and a real case study where a retiree closed a $1.1M loan using $2.2M in assets. Get actionable tips: screen early, shop lenders, document properly, stack strengths, and educate borrowers so you can close more high-value, tricky files.