Let’s start with the phrase nobody loves.

Asset depletion.

It sounds like something you’d call your doctor about. Or maybe what happens after leg day.

In reality, Asset Qualification Plus is simply the more client-friendly name for what the industry traditionally calls asset depletion. Same mechanics. Much better framing.

And the framing matters—because this strategy isn’t about draining your wealth.

It’s about using it intelligently.

The Problem With Traditional Mortgage Math

Traditional underwriting has one obsession:

“Show us your income. On paper. In the right box.”

If you’re a W-2 employee with predictable pay stubs, the system smiles.

But if you’re:

• Retired

• Living off investments

• Between ventures

• Structuring income intentionally for tax efficiency

• Financially strong but not paycheck-dependent

Suddenly, the same system acts confused.

The issue isn’t your strength.
The issue is the measurement tool.

What Asset Qualification Plus Actually Does

Instead of focusing strictly on earned income, this strategy evaluates your accumulated financial strength:

• Liquid savings

• Brokerage accounts

• Investment portfolios

• Certain retirement assets

Those assets are reviewed as a pool and converted into a qualifying income figure for mortgage purposes.

You may not be drawing a traditional paycheck.
But that doesn’t mean you lack repayment ability.

This approach simply translates asset strength into a format underwriting can understand.

Who This Makes Sense For

Asset Qualification Plus was designed for financially capable individuals who don’t fit inside a narrow tax-return template.

It often works well for:

• Retirees with significant reserves

• Business owners minimizing taxable income

• Investors between major transactions

• Individuals whose wealth is asset-based rather than salary-based

In other words: people who’ve built something substantial—but don’t want to distort their financial strategy just to satisfy outdated guidelines.

The Math Matters (But You Don’t Have to Do It)

There’s real structure behind this.

How assets are categorized.
Which accounts qualify.
How funds are calculated.
What documentation is required.

It’s precise.

And precision is good—because it keeps everything compliant, clean, and transparent.

You don’t need to run formulas at your kitchen table.
You just need clear guidance.

This Is About Alignment, Not Loopholes

Asset Qualification Plus isn’t a shortcut.

It’s a recognition that financial success doesn’t always show up as monthly income.

The goal isn’t to stretch numbers.
The goal is to accurately represent financial strength.

When structured properly, this approach provides:

• Clear qualification logic

• Respect for long-term financial planning

• A practical path forward without unnecessary stress

No hype.
No pressure.
No urgency games.

Just clarity.

Could Your Assets Qualify You?

If your balance sheet is strong but your tax return looks modest by design, this may be worth exploring.

The next step is simple:

Have a conversation.
Review the structure.
Understand your options.

The math gets handled for you.
The decisions stay in your control.

Let’s Walk Through It Together

Rich Bonn
Habayit Home Loans
📞 281.841.1723
📍 4660 Beechnut St, Ste 225, Houston, TX 77096