Financing Strategies
Asset-Based Review
When your balance sheet tells the story your tax return doesn't.
Some borrowers have substantial assets but modest reported income — retirees, investors, and those whose wealth sits in portfolios rather than paychecks. An asset-based review is built to reflect that strength.
Overview
What asset-based qualifying considers
An asset-based approach considers investment accounts, liquidity, and overall balance-sheet strength as part of qualifying, rather than relying on employment income alone. For borrowers whose documented income understates their means, it can open options that standard underwriting would miss.
It is particularly relevant for those living on portfolio income, recently liquid from a business sale, or holding significant reserves alongside a lighter income profile.
- Significant investment or liquid assets
- Reported income understates your means
- Portfolio income rather than employment income
- Recently liquid from a sale or exit
- Strong reserves alongside a lighter income profile
How We Approach It
Matched to your situation, not a template
We review how your assets are held and which of them can support the financing, then position that strength clearly within the program's framework.
The result is a picture that reflects your actual financial standing rather than a single income figure.
Explore More
Related strategies
Jumbo Purchase Strategy
Financing frameworks for purchase prices well above conforming limits, aligned with your liquidity, timeline, and negotiating position.
Interest-Only Options
Payment structures designed to preserve cash flow and keep capital available for business, investment, or portfolio priorities.
Self-Employed Borrowers
Thoughtful presentation of entity income, distributions, and retained earnings for founders, partners, and practice owners.
Is this the right approach for you?
The only way to know is a look at your specifics. Share a brief outline and we'll arrange a thoughtful review — no pressure, no obligation.
Request a Financing Review