Asset Depletion

Custom Solutions for High Net-Worth Borrowers

High net-worth borrowers may require special attention beyond traditional underwriting guidelines. These borrowers often need an unconventional approach to income structuring, and our well-trained team is here to assist you with these complex scenarios. We’re dedicated to making the transaction smooth and seamless.

No pledged assets required
Max 80% LTV
Can be combined with all other sources of income
Income is calculated using Advancial's asset depletion calculator
Max loan amount of $5MM, including cash-out refinance
All occupancy and collateral types allowed

Program Details
Lending Area	Available in all 50 states and Washington D.C.
Loan Sizes	Up to $5MM
Acceptable Collateral	SFR, 1-4 Family, High-rise Condo, Condo, Condotel, Co-op, Acreage, Hobby Farms, Second Homes, NOO
LTV Loan Amount	Up to 80% LTV allowed to $2.5MM See Rate Sheet for collateral LTV restrictions.
Income	May be combined with other income See Asset Depletion Calculator Contact AE for details.
Foreign National Eligibility (Non-U.S. Residents)	Yes See Foreign National Program sheet for details.
Work Visa / Expatriate / Immigrant Eligibility	Yes See Work Visa/Expatriate/Immigrant Loan Program sheet for details.
Cash Out	Loan amounts up to $5MM with unlimited cash in hand Cash out proceeds may be used in the Asset Depletion Calculator on a case-by-case basis No seasoning requirements on all collateral types including NOO
Pre-approval	All loans pre-approved before appraisal order “TBD Address” pre-approvals accepted
Non-Occupant Co-Borrowers	Allowed at max 75% LTV See Guidelines for details.
Rush Closings	> 2 week rush closings available Call your Account Executive for details.
Gifted down payment / Gifted Reserves / Gift of Equity	Yes