Asset Depletion Loan Retiree 2027
Calculate asset depletion loan 2027 — retirees use portfolio (not income) for qualification. Annualized 70-80% of liquid assets / 360 months.
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Loan Type Overview
Specialty loan programs serve borrowers who don't fit conventional underwriting. Higher rates but flexible qualification.
2027 Market
Non-QM market growing as W-2 employment shrinks (gig economy, freelance). Demand for flexible programs rising.
Underwriting Differences
Conventional: 2 yrs W-2, tax returns, DTI < 50%. Specialty: alternative docs (bank statements, assets, P&L), 25%+ down, higher rates.
Best Strategy
Negotiate rate down with 25-30% down. Larger down = lender risk reduced = lower rate. Build relationships with non-QM specialists.
Source: fanniemae.com Selling Guide B3-3.1-09, freddiemac.com asset-based qualification. Last updated: May 2026.