any offer asset depletion on a dscr to help with qualifiying on the ratio

Most DSCR and No Ratio DSCR loan programs do NOT allow asset depletion (asset utilization) as supplemental income for qualifying on the ratio. The only exceptions are Champions Funding and, in a limited way, Loan Stream (for second mortgages only).

---

Lender-by-Lender Summary

Lender	Asset Depletion Allowed for DSCR?	Notes/Conditions	Program Links
FundLoans	No	DSCR/No Ratio DSCR loans qualify only on property cash flow.	Spectrum+ DSCR, Spectrum No Ratio
A&D Mortgage	No	DSCR/No Ratio DSCR loans use only property DSCR, not personal income or assets.	DSCR (No DTI), Foreign National DSCR
Angel Oak	No	Only property rental income (DSCR) is used; asset depletion not considered.	Investor Cash Flow
Arc Home	No	DSCR/No Ratio DSCR loans qualify only on property DSCR.	Access DSCR, Edge DSCR
Champions Funding	Yes (Supplemental Only)	Asset depletion can supplement DSCR income, but cannot be the dominant source. Full documentation required.	Accelerator DSCR 1-4 Unit, Ambassador DSCR 1-4 Unit
Change Wholesale	No	DSCR loans qualify only on property cash flow.	Investor
Deephaven	No	DSCR/No Ratio DSCR loans use only property DSCR.	DSCR
Newfi Lending	No	DSCR/No Ratio DSCR loans use only property DSCR.	Sequoia DSCR
NQM Funding	No	DSCR/No Ratio DSCR loans use only property DSCR.	Investor DSCR Program
Loan Stream	Yes (Second Mortgages Only)	Asset depletion allowed as supplemental income only for second mortgages, not for main DSCR programs.	Closed End & Concurrent Second Mortgages

---

Champions Funding: Asset Depletion as Supplemental Income

• Allowed as a supplement to DSCR income, not as the main source.
• Must be fully documented (asset statements, etc.).
• Calculation: Net qualified assets divided by 60 months.
• Retirement assets: 70% if under 59.5 years old, 100% if 59.5+.
• Can be combined with other income types, but not as the dominant source.

Loan Stream: Only for Second Mortgages

• Allowed only for Closed End & Concurrent Second Mortgages.
• Not allowed for main DSCR programs (Core DSCR, Select DSCR, Sub1 DSCR).
• Calculation: Eligible assets (after down payment, closing, reserves) divided by 60 months.

---

Key Takeaway

If you want to use asset depletion to help qualify for a DSCR or No Ratio DSCR loan, Champions Funding is your best option (as a supplemental, not primary, income source). Loan Stream allows it only for second mortgages. All other lenders require qualification strictly by property cash flow (DSCR) and do not consider asset depletion.

Would you like more details on Champions Funding’s documentation requirements or how to calculate qualifying income with asset depletion? Or do you want to see program comparisons for a specific property type or state?