High Assets. Non-Traditional Income.
Have the Assets but Not the Traditional
Income?
Eligible borrowers may be able to use liquid assets to create qualifying monthly income for a mortgage.
Use eligible post-closing liquid assets
Can be primary or supplemental qualifying income
Purchase and eligible refinance options
Built for borrowers with significant assets
No obligation. Program eligibility and terms depend on the full loan scenario.
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Why Asset Depletion
Your Balance Sheet Can Matter More Than Your Paycheck.
Turn Assets Into Qualifying Income
Asset depletion converts eligible post-closing liquid assets into a calculated monthly income stream.
Use It Alone or Alongside Other Income
It may serve as the primary qualification method or supplement other income.
Made for High-Asset Borrowers
A strong asset position may provide another route to mortgage qualification.
one application
Apply once and get the lowest available rate from
147 different lenders
No repeat paperwork, no shopping around. We take one application and compare it across our full lender network to find the rate you actually qualify for.
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How Really Estate Works for You
Submit one application
Complete our quick online form with your basic information and what you're financing. Takes just minutes.
We shop 147 lenders
Your profile is compared across our full network of wholesale lenders, in real time.
Review your best options
See personalized rate quotes and loan terms side by side, all in one place.
Choose and close fast
Pick your preferred offer and our team guides you through a smooth closing.
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Work With Experts Who Understand Investors
Finding the right mortgage lender can make all the difference when buying. At Really Estate, we understand that this is a critical decision and are committed to helping our clients find the best lenders to suit their needs.
Our platform provides a simple and easy-to-use tool to search for and find an lender in your area. Our lenders are carefully selected based on their expertise, experience, and track record of success. With Really Estate, you can rest assured that you'll really be working with the best in the business.
What sets Really Estate apart from other real estate platforms?
Our lenders are not only highly qualified, but they are also backed by a team of dedicated experts. We provide ongoing support, training, and resources to ensure that our lenders are always up-to-date with the latest industry trends and best practices. This means that when you work with a Really Estate recommended top rated lenders, you're working with someone who is knowledgeable, professional, and committed to delivering outstanding results. We partner with a broad network of real estate professionals who deliver exceptional service at discounted rates. Our commitment to working with only the best in the industry ensures that you receive the highest level of service while also saving you money.
At Really Estate, we believe that finding the right lender is key to a successful real estate transaction. That's why we go the extra mile to ensure that our clients are paired with a lender who understands their unique needs and goals. With our user-friendly platform and expert team, we make it easy for you to find the perfect lender to buy your home.
Program Details
How the Asset Depletion Option Works
Assets Spread Over 60 Months
Qualified assets are divided over a 60-month period to calculate monthly qualifying income.
Combine With Other Income
Depletion income can stand alone or supplement wage, 1099 or business income.
Up to 80% Loan-to-Value
The asset depletion option is capped at 80% loan-to-value and combined loan-to-value.
Accounts Must Be in Your Name
All account holders on the assets used must also be borrowers on the loan.
Purchase and Refinance
Purchase, rate-and-term and eligible cash-out transactions may be reviewed.
Reserves Still Apply
Six to twelve months of reserves are required depending on loan amount and structure.
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