Nearly 30% of non-agency mortgage-backed securities in 2025 are expected to come from non-qualified mortgage (Non-QM) loans. For real estate agents, that means more clients who look strong on paper still struggle to qualify. For investors, it means standard financing may no longer be the best path forward.
Asset-based lending isn’t new, but in today’s market, it’s becoming essential. Let’s explore how loans for high net-worth individuals, built around assets instead of income, are helping agents close more deals and giving investors a flexible way to keep building.
What Is an Asset-Based Loan?
An asset-based loan allows a borrower to qualify for a mortgage using the value of their financial assets, such as cash reserves, retirement accounts, and investments, instead of traditional income documentation. Rather than analyzing earnings over the past two years, lenders calculate an income equivalent based on the assets available today.
These loans for high net worth individuals are ideal for clients whose reported income doesn’t reflect their true financial strength.
How It Works at LendSure Home Loans
LendSure’s asset qualifier/asset depletion program takes a borrower’s eligible assets and divides the total by as little as 60 months (depending on the loan program) to calculate qualifying income. This shorter draw period, just five years, is what sets the program apart. Most standard asset depletion models divide assets by 120 months, cutting qualifying income in half.
An example? If a borrower has $1.2 million in qualifying assets:
- Traditional programs: $1.2M ÷ 120 = $10,000/month income
- LendSure Home Loans’ program: $1.2M ÷ 60 = $20,000/month income
That extra income qualification can be the difference between a deal falling apart and moving forward with confidence.
What Assets Qualify?
LendSure Home Loans allows borrowers to use a mix of asset types:
- Cash and cash equivalents: Credited at 100% value
- Stocks and bonds: Credited at 80% value
- Retirement accounts: Credited at 70% value
By accepting a broad range of liquid assets, LendSure Home Loans makes it easier for borrowers to qualify without having to liquidate their holdings or restructure their finances.
LendSure Home Loans’ Asset Qualifier/Asset Depletion Program Snapshot:
Loan-to-Value (LTV):
- Up to 90% for purchases
- Up to 80% for rate-and-term refinances
- Up to 70% for cash-out refinances
- No tax returns or W-2s required
- Pre-qualifications typically take as little as 24 hours
- Flexible underwriting and asset review
- Available for second homes and investment properties
This streamlined approach to underwriting makes LendSure’s loans for high net-worth individuals ideal for investors or clients who need fast, reliable financing without the red tape.
Who Benefits from Asset-Based Loans?
These loans aren’t just for the ultra-wealthy, they’re built for anyone with strong assets and unconventional income.
Common borrower profiles include:
- Retirees or semi-retired individuals
- Self-employed professionals
- Investors living off asset income
- Business owners with fluctuating revenue
- High-commission earners or contractors
- Borrowers with gaps in employment history
LendSure’s loans for high net-worth individuals are purpose-built for clients whose balance sheet shows more strength than their tax forms.
Key Advantages for Asset Based Lending
- More qualifying power. LendSure’s 60-month draw period means borrowers can qualify for larger loans than they could under traditional guidelines.
- No income documentation. There’s no need to provide W-2s, pay stubs, or tax returns—just proof of qualifying assets.
- Faster decisions. With streamlined underwriting and pre-qualifications in as little as 24 hours, deals move forward quickly.
- Greater flexibility. These loans for high net worth individuals are available for second homes and investment properties.
Considerations for Asset Based Lending
Like any loan product, asset-based lending has nuances:
- Liquid assets only: Real estate, closely held businesses, and physical assets typically aren’t eligible.
- Thorough asset documentation: Borrowers must provide current statements and verification.
- Shorter draw period: While the LendSure Home Loans approach increases qualifying power, it also assumes a faster depletion of assets, something borrowers should factor into long-term planning.
Still, for many high-net-worth borrowers, these tradeoffs are worth the flexibility and access they gain.
FAQ: Making Sense of Asset-Based Lending
Can a client qualify if their income fluctuates year to year?
Yes. That’s one of the main reasons to use asset-based lending. Income volatility, whether from business cycles, commissions, or early retirement, won’t disqualify them as long as liquid assets are strong and verifiable.
What documents are typically needed to verify assets?
Borrowers will need to provide recent statements from checking, savings, brokerage, or retirement accounts. The assets don’t need to be moved, just verified.
Is this considered a Non-QM loan?
Yes. Asset-based loans fall under the Non-QM category, which allows more flexible guidelines compared to agency-backed financing.
Will the loan terms be different from a traditional mortgage?
They may vary slightly. Rates can be a bit higher than conventional loans, but the trade-off is flexibility and access for borrowers who otherwise wouldn’t qualify.
Why Choose LendSure Home Loans?
It’s simple. We make loans that make sense. We’re not in-the-box lenders. Of course, there are numbers, ratios, and data to consider, but we know that behind every file, there’s an individual with unique circumstances seeking a loan.
We’re redefining the mortgage experience one loan at a time. Thanks to our common-sense approach and dedicated lending team, we say ‘yes’ more often to today’s homeowners and investors.
Ready to learn more about other loans for high net worth individuals? Contact us today!
