Your portfolio is the paycheck. Asset depletion programs convert liquid wealth into qualifying income — no W-2, no employment, no tax return required.
Every program is built for a specific borrower. Here’s where this one tends to be the right call.
You’ve stopped drawing a salary but your portfolio is substantial. Conventional underwriting penalizes you for not working — asset depletion calculates income from what you’ve already built.
Financially independent before traditional retirement age. Your assets generate returns but your W-2 income is zero or minimal. Asset depletion bridges the gap between your real wealth and conventional qualification.
Your income comes from investments, distributions, or trust structures that don’t show up cleanly on a tax return. Asset depletion lets your balance sheet do the qualifying work.
One point of contact, start to finish. Here’s what working with Manor looks like.
We gather statements across all qualifying accounts — brokerage, retirement, savings. Each lender has different rules on asset types and haircuts, so we identify the optimal structure upfront.
Qualifying assets are divided over a set period (typically 360 months) to arrive at a monthly income figure. Your loan officer walks through the math so you know exactly what to expect.
Full application with asset documentation in lieu of income docs. Manual underwriting reviews asset quality, liquidity, and sustainability. Timeline runs 21–35 days.
CD delivered 3 days prior. Your loan officer walks every line with you before signing — no surprises at the table.
Send us your account totals and loan scenario. Your loan officer will run the income calculation and show you which lenders work best for your balance sheet.
Expect a response within one business day. Or reach out directly at dru@manorhomes.co
Every program is built for a different scenario. Browse the others below.