Asset-based tools
Asset depletion calculator
No paycheck, plenty of assets? Watch your balance sheet turn into qualifying income — the math lenders use for retirees, business sellers, and the asset-rich.
$750,000
$400,000
$0
Depletion period (program-dependent)
Qualifying monthly income
$12,262
From assets — no employment required
- Eligible assets
- $1,030,000
- Asset-derived income
- $12,262 / mo
- Other income
- $0 / mo
Your assets aren’t spent — the division simply demonstrates repayment capacity. Programs vary on eligible assets and periods.
Strong qualifying profile
This income level supports a meaningful purchase — without a single pay stub.
Illustration only. Eligible asset types, discounts, and depletion periods vary by program; assets must typically be seasoned and documented.
Assets ready to work
Like what the math says?
Pat will match your asset profile to the right program and depletion period — and show you the real number you qualify for.