What is it?
DirectLenderMatch classifies Asset Depletion Mortgage under the financing form “Mortgage.” Its typical use in this directory is: Asset-rich borrowers with limited conventional income.
How does it work?
The structure is generally evaluated, supported, or secured using the following basis: Eligible liquid/investment assets converted to imputed income. Exact underwriting, eligibility, terms, and availability are provider-specific and can change.
What can it be used for?
Asset-rich borrowers with limited conventional income.
What backs or supports it?
Eligible liquid/investment assets converted to imputed income.
Why does this structure exist?
This structure provides a defined way to address the financing need described above. The provider, transaction, collateral, and underwriting context determine how the structure is implemented in practice.
Important considerations
Confirm current costs, risks, licensing, eligibility, collateral treatment, recourse, tax consequences, and availability directly with the provider and appropriate professional advisers. DirectLenderMatch does not compare rates or recommend products.
Is this actually a loan?
Workbook classification: Yes. Financing forms such as leases, purchases, shared equity, advances, and guarantees may solve a funding need without being conventional loans.
Verified lenders or providers
Direct mortgage lender
Acra Lending
Acra's current seller guide includes an Asset Depletion program.
Official evidence page →Last verified: 2026-08-23
Direct mortgage lender
Griffin Funding, Inc.
Griffin Funding's current loan list explicitly includes this Non-QM / investor product family.
Official evidence page →Last verified: 2026-08-23
Related financing structures
Asset Qualifier Mortgage
Qualify primarily from assets rather than income
ITIN Mortgage
Borrowers without SSN who have eligible ITIN profile
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Non-U.S. resident purchasing U.S. property
1099-Only Mortgage
Independent contractors using 1099 income
Bank Statement Mortgage
Self-employed borrowers qualifying from bank statements
Fix-and-Flip Loan
Acquire/rehab/resell residential investment