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Préstamos para la amortización de activos
Has acumulado riqueza. Ahora úsala para comprar una casa, sin necesidad de un sueldo para calificar. Los préstamos con garantía de activos te permiten convertir tus ahorros, inversiones y cuentas de jubilación en ingresos que califican para el préstamo.
¿A quién va dirigido este préstamo?
✅ Jubilados con ahorros importantes pero ingresos mensuales limitados
✅ Personas con alto patrimonio que viven de sus inversiones
✅ Jubilados anticipadamente o profesionales semijubilados
✅ Inversores inmobiliarios con grandes carteras pero bajos ingresos W-2
✅ Dueños de negocios que se pagan salarios mínimos y mantienen su riqueza en activos.
✅ Cualquier persona con un patrimonio considerable que no se ajuste a las categorías de ingresos tradicionales.
¿Qué es un préstamo para la amortización de activos?
Las hipotecas tradicionales requieren que demuestres tus ingresos mensuales: formularios W-2, recibos de nómina, declaraciones de impuestos. Pero ¿qué pasa si tu patrimonio no está en un cheque de pago? ¿Qué pasa si está en una cuenta de corretaje, un fondo de jubilación o una cuenta de ahorros?
Un préstamo con garantía de activos resuelve este problema al convertir sus activos en un "ingreso válido" que los prestamistas pueden utilizar para aprobar su hipoteca.
Este es el concepto:
Sus activos elegibles se dividen a lo largo del plazo del préstamo para generar una cifra de ingresos mensuales.
Por ejemplo, si usted tiene $1,200,000 en activos elegibles y está solicitando una hipoteca a 30 años:
$1,200,000 ÷ 360 meses = $3,333/mes de ingresos que califican
Esos 3.333 dólares al mes son los que usamos para que usted cumpla los requisitos; no se requieren formularios W-2, ni verificación del empleador, ni declaraciones de impuestos que muestren ingresos tradicionales.
En Team Malik, nos especializamos en encontrar el programa de amortización de activos ideal para su situación. Trabajamos como prestamista directo y como intermediario, lo que nos permite acceder a diversos programas con diferentes métodos de cálculo de activos. Contamos con licencia en Florida, Nueva Jersey y Pensilvania.
Cómo funciona el agotamiento de activos: paso a paso
Step 1 — We Add Up Your Eligible Assets
Not all assets count equally. Here's how they're typically categorized:
Step 2 — We Subtract Required Reserves
The lender deducts:
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Your down payment amount
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Closing costs
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Any required cash reserves (usually 6–12 months of payments)
Step 3 — We Divide by the Loan Term
The remaining assets are divided by the number of months in your loan (typically 360 for a 30-year mortgage). The result is your monthly qualifying income.
Step 4 — We Apply Standard DTI Guidelines
Your new "income" is used to calculate your debt-to-income ratio just like any other loan. Standard DTI limits (43–50%) apply.
Real-World Example
Let's say you're a retiree in Boca Raton looking to buy a $500,000 condo:
With $3,678/month in qualifying income, you'd comfortably qualify for the mortgage payment on a $375,000 loan (after 25% down). No paycheck needed.
Asset Depletion Loan Requirements
Down Payment
20–25% is typical. The exact amount depends on the program, property type, and your overall asset picture. Stronger profiles may qualify at the lower end.
Eligible Assets
You need enough liquid or semi-liquid assets to cover:
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The down payment
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Closing costs
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Cash reserves (6–12 months)
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AND generate sufficient monthly income after those deductions
Credit Score
Varies by program—typically 680+ for the best options. Some programs accept 660+.
Income Verification
None in the traditional sense. No W-2s, no pay stubs, no employer verification. Your assets ARE your income. You'll need to provide account statements (typically 2–3 months) to document your balances.
Property Types
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Primary residences
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Second homes
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Investment properties (some programs)
Agotamiento de activos frente a otros tipos de préstamos
Si tienes los activos pero no los ingresos tradicionales, este es tu programa. Si tienes depósitos bancarios importantes como trabajador independiente, considera nuestro Préstamo con Datos Bancarios.Si tienes ingresos estables con formulario W-2, el Préstamo Convencionalprobablemente sea la mejor opción.
El proceso de préstamo por agotamiento de activos
Step 1 — Asset Review
Send us your most recent 2–3 months of account statements (brokerage, retirement, savings, etc.). We'll calculate your qualifying income and tell you exactly what you can afford. Turnaround: 1–2 business days.
Step 2 — Pre-Approval
Once we verify your assets and run credit, you'll receive a pre-approval letter. This shows sellers you're a serious, qualified buyer—even without traditional income.
Step 3 — Home Search
Find your property. Whether it's a retirement home in Florida, a second home in the Jersey Shore, or an investment property in Philadelphia—we've got you covered.
Step 4 — Appraisal & Underwriting
Standard appraisal to confirm value. Underwriting reviews your asset documentation. Less back-and-forth than a traditional loan since there's no employer or income verification. Timeline: 2–3 weeks.
Step 5 — Closing
Sign, pay closing costs, get the keys. Total timeline: 25–40 days.
Frequently Asked Questions
Do I need any income at all?
No traditional income is required. Your assets are converted into qualifying income. However, if you DO have some income (Social Security, pension, dividends), we can combine it with asset depletion to strengthen your file.
What types of assets qualify?
Liquid and semi-liquid assets: checking, savings, money market, stocks, bonds, mutual funds, ETFs, and retirement accounts (at a discounted value). Real estate equity, business assets, and personal property generally don't qualify.
Why is the down payment 20–25%?
Asset depletion loans carry more risk for lenders since there's no traditional income stream. The higher down payment offsets that risk and typically gets you a better rate.
Can I use retirement accounts?
Yes, but they're usually counted at 60–70% of their value to account for taxes and potential early withdrawal penalties. The exact discount depends on your age and the account type.
What if my assets are in a trust?
Many programs accept assets held in revocable living trusts. Irrevocable trusts are more complex—we'll need to review the trust documents. Let's discuss your specific situation.
Can I combine asset depletion with other income?
Absolutely. If you have Social Security, a pension, rental income, or any other documented income, we can add it to your asset-derived income for a stronger qualification. Many of our retiree clients use this combined approach.
Is this the same as a "no-income" loan?
Not exactly. You ARE proving income—it's just derived from your assets instead of an employer. The lender still verifies your assets are real, sufficient, and documented. This is a fully underwritten, legitimate mortgage program.
What's the maximum loan amount?
There's no hard cap—it depends on your assets. If your assets support a $2 million qualifying income calculation, you can pursue a $2 million property. We'll run the numbers for your specific situation.
Explora otras opciones de préstamo
FHA Loans → Low down payment and flexible credit. Great for first-time buyers.
Préstamos DSCR → Califica con ingresos por alquiler. Diseñados para inversionistas.
Préstamos con extracto bancario → ¿Trabajas por cuenta propia? Utiliza tus depósitos para optar a ellos.