Don’t meet conventional loan requirements? No problem. Our asset-based lending solutions let you qualify for a mortgage using your liquid assets—not your income or credit history. Ideal for retirees, investors, and self-employed buyers, this flexible approach helps you secure the financing you need based on what you own, not what you earn.
Asset-based loans allow you to qualify for a mortgage using your liquid assets instead of traditional income or employment history. If you’re a retiree, investor, or self-employed, this option gives you the flexibility to use bank accounts, retirement funds, or investment portfolios to secure financing—even if your income doesn’t meet conventional requirements.
One of the biggest advantages of an asset-based mortgage is that no income verification is needed. Whether your earnings are inconsistent, seasonal, or structured around investments, you can still qualify. By evaluating your available assets rather than pay stubs or tax returns, lenders can offer financing based on what you own—not how you earn.
For those living on retirement savings or non-salaried income, asset-based lending offers a powerful solution. Borrowers can access financing by leveraging checking accounts, investment accounts, and money market funds. It’s especially useful for those with strong financial assets but limited W-2 income, offering a clear alternative to no doc loans.
With loan amounts up to $3 million, asset depletion loans provide significant buying power for high-value properties. Terms are calculated using a borrowing base, typically factoring in 100% of bank assets and up to 70% of investment and retirement accounts. Whether you’re financing a new home or investment property, the terms are structured around your financial footprint.
Asset-based SOFR loans give high-net-worth borrowers a low introductory rate that adjusts every 6 months based on the Secured Overnight Financing Rate (SOFR). Choose from 3/6, 5/6, 7/6, or 10/6 ARMs, offering flexibility in rate and term. These are ideal for buyers looking to take advantage of market rate movement without refinancing later.
If a conventional mortgage, bank statement loan, or P&L loan doesn’t fit your situation, asset-based lending may be your answer. It’s a strong alternative for borrowers with non-traditional income, allowing you to bypass debt-to-income ratio (DTI) limits and credit score requirements by qualifying solely through your verifiable liquid assets.
Securing an asset-based loan is a straightforward process when you have the right documentation and liquid assets. Start by applying with a lender and identifying the qualifying assets you’ll use, such as bank accounts, retirement funds, or investment portfolios. After submitting asset documentation, the lender will complete a preliminary review and present you with a preview loan offer. Once your assets are fully verified, you’ll receive final approval and funding, allowing you to move forward confidently with your asset-based mortgage.
An asset-based loan—also known as an asset utilization or asset depletion loan—allows you to qualify for a mortgage using your liquid assets instead of traditional income. Whether you’re a retiree with limited fixed income or a self-employed borrower without W-2s, this financing option offers a flexible alternative to no-doc loans. By leveraging your bank accounts, investment portfolios, or retirement funds, you can secure the funding you need without verifying employment or income. It’s an ideal solution for borrowers with strong assets and non-traditional income streams.
With an asset-based loan, you qualify for a mortgage by leveraging the value of your liquid assets instead of showing traditional income. The lender calculates a borrowing base, typically using 100% of bank account balances and up to 70% of retirement or investment accounts. Based on your total verified assets, the lender determines your loan amount, repayment terms, and interest rate. This makes asset-based lending ideal for borrowers with strong assets but limited documented income.
To qualify for an asset-based loan, you’ll need liquid, verifiable assets that can easily be converted to cash. Eligible assets include checking and savings accounts, certificates of deposit (CDs), money market accounts, and investment portfolios such as stocks, bonds, and mutual funds. In some cases, high-net-worth borrowers may qualify using asset statements alone. These assets are used to determine your ability to repay and structure your loan terms.
To determine how much you qualify for with an asset-based loan, lenders divide your total liquid assets by a set term—typically 60, 84, or 120 months, depending on the program. For example, if you have $600,000 in verified assets and a monthly mortgage payment of $10,000, you meet the ability-to-repay requirement with 60 months of coverage. This simple formula ensures your assets can sustain the loan over time.
Meet Sarah, a business owner looking to buy an investment property. Due to significant tax write-offs, she’s unable to qualify for a conventional mortgage. Instead, she uses asset-based lending to get approved. With $150,000 in checking and savings and $500,000 in retirement and investment accounts, Sarah can use the full $150,000 plus 70% of her investment assets ($350,000)—qualifying her for a $500,000 loan. Asset-based loans let her move forward without income documentation.
If you have significant savings, investments, or retirement funds but don’t meet traditional income requirements, asset-based lending offers a powerful alternative. These loans let you qualify for a mortgage using your liquid assets instead of W-2s, pay stubs, or tax returns. Ideal for self-employed borrowers, retirees, and high-net-worth individuals, asset-based loans provide the flexibility to secure financing on your terms. Whether you’re purchasing a primary residence, an investment property, or funding a cash-out refinance, this solution lets your assets do the heavy lifting.
Have questions about how asset-based lending works? This section breaks down everything you need to know—from qualifying assets to loan limits—so you can confidently explore this flexible financing option. Whether you’re a retiree, self-employed, or an investor, get clear answers to help you decide if an asset-based mortgage is the right fit.
An asset-based loan, also known as an asset utilization loan or asset depletion loan, allows you to qualify for a mortgage using your liquid assets—like savings, stocks, or retirement funds—instead of traditional income or employment documents.
Asset-based lending is ideal for retirees, real estate investors, and self-employed individuals with substantial assets but limited reportable income. It’s also a great fit for anyone seeking an alternative to no-income-verification loans or those who’ve been denied due to lack of W-2 documentation.
Acceptable liquid assets include checking and savings accounts, certificates of deposit (CDs), money market accounts, mutual funds, stocks, and bonds. Typically, lenders use 100% of bank balances and up to 70% of retirement and investment account values to determine eligibility.
No. One of the biggest benefits of an asset-based mortgage is that it does not require income verification or employment history. Approval is based solely on the value and accessibility of your liquid assets.
Lenders divide the total value of your qualifying assets by a specific period (usually 60, 84, or 120 months) to determine your monthly eligibility. This figure must cover your projected mortgage payment to meet the ability-to-repay guidelines.
Benefits include no income documentation, no DTI calculations, flexible terms, loan amounts up to $3 million, and the ability to finance primary residences, second homes, or investment properties. Interest-only and SOFR ARM options are also available.
Yes. Asset-based loans can be used to purchase or refinance investment properties and second homes, making them a smart option for investors looking to leverage their wealth without selling off assets or documenting income.
A SOFR-based loan is an adjustable-rate mortgage tied to the Secured Overnight Financing Rate, offering a low fixed rate for an initial period (3, 5, 7, or 10 years) that adjusts every 6 months after. This option benefits high-asset borrowers who want flexible rates without refinancing.
Yes. Not all assets qualify—non-liquid assets like business inventory or real estate cannot be used. Also, interest rates may be slightly higher than traditional loans, and the loan amount is capped based on your total asset value.
Asset-based loans offer a flexible alternative to traditional mortgages, especially for borrowers with strong assets but limited or non-traditional income. Like any financial product, they come with both advantages and potential drawbacks:
Pros:
Qualify based on assets: Approval depends on your verifiable liquid assets, not income or tax returns.
No employment or income required: Great for self-employed borrowers, retirees, or anyone without steady W-2 income.
Loan amounts up to $3 million: Offers substantial financing for primary residences, second homes, or investment properties.
No DTI calculation required: Debt-to-income ratio is generally not factored into approval.
Interest-only options available: Some programs allow interest-only payments, lowering monthly costs.
Down payments as low as 20%: Entry into homeownership or investment is possible without massive cash outlays.
Cash-out options: You can access equity to fund renovations, investments, or other needs.
Cons:
Not all assets qualify: Only liquid assets like bank and investment accounts are acceptable—non-liquid assets like inventory or equipment cannot be used.
Higher interest rates: Rates may be higher than conventional loans, reflecting the unique risk profile.
Loan amount is asset-limited: Your maximum loan is directly tied to the value of your assets, which may cap your borrowing power.
Getting an asset-based loan involves a streamlined process focused on your liquid assets rather than your income. Here’s how it works:
Apply with a lender that offers asset-based mortgage programs.
Identify qualifying assets such as bank accounts, retirement funds, and investment accounts.
Submit documentation to verify ownership and value of your assets.
Initial review: The lender checks if your assets meet minimum requirements.
Preview offer: You’ll receive preliminary terms including loan amount and rate.
Full asset review: The lender audits your asset statements for final approval.
Get funded: Once approved, your asset-based loan is disbursed, allowing you to move forward with your purchase or refinance.
This process is ideal for retirees, investors, and self-employed borrowers who have strong assets but may not qualify through traditional income verification.
Everyday Lending Group offers personalized mortgage solutions, fast and accurate quotes, competitive rates, and exceptional service delivered with integrity.
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