Qualify using your liquid assets instead of income. Your savings, investments, and retirement accounts are divided over the loan term to calculate qualifying income.
$500K+
Min Assets
20%+
Down
700+
Credit
Written by Renzo Johnson, Licensed MLO · NMLS #PENDING · Last updated: February 2026
Key Features
- Liquid assets divided by loan term (360 months for 30-year)
- Result counts as qualifying income
- Stocks, bonds, mutual funds, retirement accounts accepted
- No employment or income documentation required
- Typically requires $500K+ in qualifying assets
- Down payment: 20%+ typical
- Available for primary and second home
Who Is This For?
- Retirees with substantial assets but low reported income
- High-net-worth individuals between employment
- Business owners with significant liquid assets
Florida-Specific Considerations
- Florida’s large retiree population makes asset depletion popular
- Snowbirds converting to full-time Florida residents
- No Florida state income tax simplifies asset qualification
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