Turn Your Assets Into Income
The Asset Depletion Loan is designed for borrowers who may not have traditional income but hold significant liquid assets. Perfect for retirees, high-net-worth individuals, and those who have recently sold a business or property, this program allows you to qualify based on your wealth—not just your paystubs.
Looking to learn more? Call now 866-845-6267
We calculate qualifying monthly income based on your total verified assets:
Monthly Qualifying Income = Net Qualifiable Assets ÷ 84 months
Accepted asset types and calculations:
Already earning income through Social Security, rental properties, or a pension? Great news — this program allows for asset depletion income to be used alongside other income sources to maximize your purchasing power.
Whether you're purchasing a new home or refinancing an existing one, we can help you structure the perfect plan using your assets.
Robert St. John
Loan Officer | Barrett Financial Group
📧 robert.stjohn@barrettfinancial.com
📱 866-845-6267 (866-84-LOANS)
🌐 stjohnloans.com
NMLS #1578510 | Corporate NMLS #181106
Licensed in CA, AZ, TX, NV (Barrett Financial licensed in 49 states)
Click the button below to start the application process. If you have questions please Contact Us Here.
Copyright © 2026 Robert St. John. All Rights Reserved.
Robert St. John | NMLS #1578510 | Barrett Financial Group, L.L.C. | NMLS #181106 | 8485 W Sunset Rd, Suite 202, Las Vegas, NV 89113 | AZ 0904774 | CA60DBO-46052 & 41DBO-148702 Licensed by Dept . of Financial Protection & Innovation under the California Residential Mortgage Lending Act. Loans made or arranged pursuant to a California Financing Law License | MI fl0022342 | NV 5091 | TX view complaint policy at barrettfinancial.com/texas-complaint | Equal Housing Opportunity | Equal Housing Lender | This isnot a commitment to lend. All loans are subject to credit approval. | nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/181106