Your portfolio becomes your paycheck.
Retired early, sold a business, or simply living off what you've built? Lenders can convert your liquid assets into qualifying income — dividing your eligible portfolio over a set number of months and treating the result like a paycheck. No job, no tax-return gymnastics, and nothing pledged or liquidated. Your balance sheet has been the strong chapter of your story all along; this is the loan that reads it.
The problem this solves.
You have seven figures across brokerage and retirement accounts and a tax return that looks like a grad student's — because you've structured it that way on purpose. A traditional lender stares at the return and shrugs. An asset utilization lender looks at the statements and does what you'd hope: treats real wealth as real ability to repay.
How the math works.
The lender takes your eligible liquid assets — after any required haircuts on certain account types — and divides them over a set number of months. The result is treated as monthly qualifying income, exactly as if it were a paycheck. Formulas, eligible asset classes, and haircut percentages vary meaningfully by lender, which changes the answer by a lot. Shopping the formula is the job; some lenders' math qualifies double what another's does from the same statements.
Who this is built for.
Early retirees and the regular kind. Founders and owners post-exit, sitting on proceeds. High-net-worth households whose income is dividends, distributions, and appreciation rather than wages. Investors between liquidity events. If your balance sheet is the strong chapter of your financial story, this loan reads that chapter.
Two things people always ask first.
Do I have to move or pledge my assets? No — this isn't a pledged-asset loan. You prove the assets exist and are yours; they stay invested wherever they live.
Do I have to liquidate anything? Also no. The "depletion" is a math exercise on paper, not a withdrawal schedule. Your advisor keeps managing; the lender just counts. (Seasoning applies — recently appeared money gets questions, like everywhere in lending.)
Straight answers.
Straight answers — the same way you'd get them on the phone.
Which assets count?+
Typically bank deposits, brokerage accounts, and — with conditions and haircuts — retirement accounts. Crypto and less-liquid assets vary widely by lender.
Can this combine with other income?+
Often yes — asset-derived income can stack with pensions, Social Security, or rental income to strengthen a file. Structure is where files are won.
Is this the same as a "no-doc" loan?+
No. It's fully documented — the documents are just asset statements instead of pay stubs. Ability to repay is proven, not skipped.
Does this work for a second home or rental?+
Frequently — and for pure rentals, we'll compare it against DSCR, where the property qualifies itself. Whichever math wins, wins.
Every situation is different — this is general info, not a loan commitment or offer to lend. Asset decisions stay with your financial advisor; this is not investment advice.
You spent decades building the balance sheet. Let it buy the house.
Thirty minutes, straight answers.