Asset Depletion Loan

Asset Depletion Home loan

Use just your assets (Bank Accounts, 401K Retirement Accounts to qualify)
No W2s or Tax Returns

APPLY NOW!


Asset Depletion Loan
Qualify for a home loan with just your assets

Asset Depletion Home Loans

Asset Depletion Home Loan

Asset only home loans. Employed or unemployed. Qualify with just liquid assets to cover the loan balance.

Get the loan you need from the Assets You Own!

An asset depletion loan, also known as an asset depletion home mortgage, is a type of non-QM loan that allows borrowers to utilize their substantial assets to qualify for a home mortgage loan instead of using employment income. Your assets are used as collateral to pay back the loan instead of your income. Different types of assets that can be used include checking accounts, savings, money market accounts, certificates of deposits, retirement accounts (such as 401K or IRA) or other investment accounts such as bonds, mutual funds and stocks. The best targeted borrowers that benefit from an asset depletion loan mortgage include self-employed with insufficient traditional, verifiable income, retirees with insufficient verifiable fixed income or individuals with a large number of assets in the U.S.that the bank can use as collateral for your mortgage.

Asset Only, Self Employed Borrowers Jumbo Loans - Foreign National Loans

3 Month Bank Statement Loan

Qualify with just 3 months of business or personal bank statements.
 
Learn More

12 Month Bank Statement Loan

Qualify with just 12 months of business or personal bank statements.
 
Learn More

Jumbo Prime Home Loan

The most competitive Jumbo Prime Home Loan in the market today.
 
 
Learn More

Foreign National Home Loan

Letter of good standing from your current financial institution or international credit report. Learn More

Asset Depletion Home Loan

Qualify with the most recent Bank or retirement account statement  

Learn More

Investor Cash Flow Home Loan

Non Owner Occupied. Purchase or Refinance.
Learn More

Interest Only

Interest Only Home Loans  
 

Learn More

Fix To Flip and Fix To Rent Investor Loans

Up to 90% of the Purchase 100% of Rehab + Refi to Rent

Fix & Flip - Fix To Rent Investment Loan

Investment loans for 1-4 family purchase, rehab and refinance
Click Here

INVESTMENT REAL ESTATE LOANS

Multi Family Loans

Up to 90% of the Purchase 100% of Rehab + Refi to Rent

Fix & Flip - Fix To Rent Investment Loan

Investment loans for 1-4 family purchase, rehab and refinance
Click Here

$100,000 – $50M


12 to 24 month terms


No call protection /
lockout


Up to 100% LTV


Interest only amortization


No initial DSCR
requirement


Recource/Non-recourse


Multifamily, condos, student housing, mixed use w/ majority residential, others assets case by case

Construction

$100,000 – $25M


12 to 24 month terms


No call protection /
lockout


Up to 80% of cost


Interest only amortization


No initial DSCR
requirement


Non-recourse


Multifamily, condos, student housing, mixed use w/ majority residential, others assets case by case

Permanent

$100,000 – $100M


5 or 10 year terms


Call protection / lockout depends on loan term


Up to 75% of value


IO and amortization options


1.20x DSCR requirement on 30-year amortization


Non-recourse


Multifamily, condos, student housing, mixed use w/ majority residential, others assets case by case

MULTIFAMILY LOANS

BRIDGE LOANS – VALUE ADD – CMBS – INSURANCE – HUD

As the leading private lender for multifamily and residential real estate investment property, CambridgeHomeLoan.com offers extensive debt solutions through a vertically-integrated, national lending platform. We offer borrowers fast, certain and efficient execution. With a proven track record of financing and over 25 years in business CambridgeHomeLoan.com understands the needs of investors throughout the investment lifecycle, from acquisition to renovation to stabilization.

apartment building loans

Commercial Real Estate Loans

For Fix and Flip & Fix To Rent Investment Loans & Bridge Loans

Multi Family Commercial Real Estate Loans

Nationwide experience and a local presence. 

REFINANCE OR ACQUISITION FINANCING

  • Investment  Properties or owner-occupied commercial real estate
  • Conventional Loans or transitional loans
  • Storied loans
  • Loans requiring unique financing structures

Satisfying More Clients. One Loan at a Time.

PERMANENT FINANCING
CONSTRUCTION LOANS
BRIDGE LOAN
AGENCIES
MEZZANINE FINANCING
SBA 504 & 7A USDA B&I CREDIT LEASE FINANCING

At CambridgeHomeLoan.com, our commercial lending professionals understand the great opportunities and the myriad challenges facing small, middle, & large market business owners and executives. We excel at provide financing solutions tailored to your needs. Our understanding of the many unique aspects and challenges of your business allows us to work towards accommodating your financing requirements. We employ our creativity, experience and expertise to build the right solution for you.

  • Quick Response
  • Multiple Options
  • Lower Rates
  • Fast Closings

FINANCING FOR:

AGRICULTURAL & FARM
CHURCH & MINISTRY
OWNER OCCUPIED
HOSPITALITY
INDUSTRIAL
INTERNATIONAL REAL ESTATE
LAND
MULTIFAMILY
OFFICE RETAIL
SBA 7(A) & 504
SENIOR HOUSING
SPECIAL PURPOSE PROPERTIES
USDA B&I LOANS.

BRIDGE LOANS

  • Quick closing
  • Complicated story
  • Renovation
  • Lease-up
  • Temporary liquidity
  • Recent bankruptcy

Expert Residential, Commercial and Investment Real Estate Blog

Hard money loan
Uncategorized

Top Reasons For Hard Money

The top reasons investors use hard money loans: Here are the Top $ Reasons to use a Hard Money Loan for your real estate investment

Read More »

IF ITS RELATED TO REAL ESTATE WE LEND ON IT.