Asset depletion calculator
Turn assets into qualifying income
Asset utilization programs convert a documented portfolio into monthly income. Haircuts and depletion periods vary by lender; these are common defaults.
$400,000
$750,000
$600,000
70%
60%
84
$200,000
$50,000
Estimated monthly income
$12,321
- Usable assets after haircuts
- $1,285,000
- Less down payment
- $200,000
- Less reserves
- $50,000
- Net depletable assets
- $1,035,000
- Depletion period
- 84 months
- Annualized income
- $147,857
Some programs deplete over the loan term, others over 60 to 120 months, and a few require no depletion math at all under a no-ratio structure.