Asset Depletion Loans Florida | Qualify on Net Worth | Ronald Cepeda
Pioneer Mortgage Funding · Net Worth / Asset Depletion

Your Wealth Qualifies You. Not a Paycheck.

For retirees and asset-rich borrowers: we convert your liquid net worth into qualifying income — no employment, no pay stubs, and your portfolio stays fully invested.

✓ No employment needed✓ Retirement-friendly✓ Portfolio stays invested
See If My Assets Qualify

Takes 60 seconds · No credit pull · No obligation

Why This Program

Built for exactly your situation

1

Assets Become Income

Lenders divide your eligible liquid assets over the loan term to create qualifying income — simple, documented, done.

2

Nothing Gets Liquidated

You don't sell a single share. The portfolio just needs to exist and be verifiable — it keeps growing untouched.

3

Built for Retirees

Low reported income but a lifetime of savings? This is precisely the program conventional lending forgot to build for you.

4

Pairs With Jumbo

Asset depletion works at luxury price points too — a natural fit for Florida's retiree and second-home markets.

Client Scenario

Retired, $1.6M saved — and declined on 'income'

The Hendersons retired to Florida with a $1.6 million portfolio and modest Social Security checks. Their bank declined them — debt-to-income, they said, as if forty years of saving didn't count. An asset depletion program converted their portfolio into qualifying income without selling a share. They closed on a $780,000 Naples home and their investments never skipped a beat.

$780K
Purchase Price
$1.6M
Portfolio (Untouched)
29
Days to Close

Illustrative scenario based on real client situations; names and details changed for privacy. Individual results vary. All loans subject to approval.

The Process

Three steps to the closing table

1

Asset Review

A quick look at your investment, retirement, and bank accounts — we identify what counts.

2

Income Calculation

We run the depletion math across multiple lenders and show you the qualifying income each produces.

3

Close Comfortably

Matched to the lender with the friendliest calculation for your mix of assets.

Client Reviews

100+ five-star Google reviews

★★★★★

"I've been working with Ronald for over 10 years — no better lender in the state of Florida!"

— Henley Johnson
★★★★★

"Ronald was very professional and easy to work with. I would definitely use his services again."

— Carlos Sordo
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See If My Assets Qualify

Ronald Cepeda

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Common Questions

Net Worth / Asset Depletion FAQ

How does asset depletion work?

Lenders take your eligible liquid assets and divide them over a set term (often the loan term) to produce a monthly qualifying income — no employment required.

Which assets count?

Checking, savings, brokerage accounts, and typically a percentage of retirement accounts. Formulas vary by lender — which is exactly why shopping multiple lenders matters.

Do I have to sell or move my investments?

No. Assets are verified, not liquidated. Your money stays exactly where it is.

Is there a minimum asset level?

Programs vary, but meaningful six-figure liquidity is where these programs start making sense. We'll run your numbers and tell you honestly.