Asset-Based Qualification
Let assets do the work
For high-net-worth clients, Smart Asset Qualifier uses personal assets instead of income or debt ratios. It’s designed for retirees, investors, or those with significant savings who want financing flexibility without showing income streams.
Highlights:
· No income or DTI required
· 80% LTV, up to $2M loan amounts
· Minimum $500K in post-close personal assets (savings, stocks, 501k, IRAs (any age))
· Assets spread across a 5-year projection
· Credit scores starting at 700