What it is
A Non-QM program that converts your liquid assets — savings, investments, retirement — into qualifying income, no employment required.
How it works
The lender takes eligible assets and divides them over a fixed period (often 60–84 months) to create a monthly income figure. Enough assets, and the loan stands on them alone.
Who it fits
Retirees and near-retirees, sellers of businesses or property sitting on proceeds, and investors between liquidity events.
What you'll need
Statements proving the assets (usually 2–3 months), standard credit review, and a typical 20–25% down payment or equity position.
Good to know
You don't spend the assets — they just need to exist and be verifiable. Your money keeps working while it qualifies you.
Two minutes with a licensed advisor beats two hours of reading. NMLS #1511274 · Licensed in California · Florida · Texas
Talk to the DeskGeneral education, not advice for your specific situation. Every file is different — talk to a licensed professional before making decisions.