do any lenders allow asset depletion with their dscr program to help qualify?

Yes, some lenders allow asset depletion with their DSCR programs to help qualify.

Here’s a breakdown of lenders and their policies regarding asset depletion for DSCR programs:

Lender	Allows Asset Depletion?	Details
FundLoans	No	DSCR programs qualify based solely on property cash flow. Asset depletion is not allowed.
AmWest	No	DSCR programs rely on property cash flow and do not allow asset depletion.
A&D Mortgage	Yes	Asset depletion is allowed for DSCR programs like Foreign National DSCR and DSCR (No DTI).
Angel Oak	No	DSCR programs qualify based on rental income and do not allow asset depletion.
Arc Home	Yes	Asset depletion is allowed for DSCR programs like Access DSCR and Edge DSCR.
Champions Funding	Yes	Asset depletion can be used as supplemental income for DSCR programs, calculated as Net Qualified Assets / 60 Months.
Change Wholesale	No	DSCR programs qualify based on property cash flow and do not allow asset depletion.
Deephaven	No	DSCR programs focus on property income and do not allow asset depletion.
NQM Funding	Yes	Asset depletion is allowed for programs like Investor DSCR, Investor Mixed Use, and DSCR Supreme, with specific restrictions and calculations.
Loan Stream	No	Asset depletion is not allowed for DSCR programs but is available for other programs.

If you'd like more details about any specific lender or program, let me know!

Yes, several lenders allow asset depletion as supplemental income for their DSCR programs in Arkansas.

Here’s a detailed breakdown of lenders and their DSCR programs that support asset depletion:

Lender	Programs Supporting Asset Depletion	Key Details
FundLoans	Spectrum No Ratio	Asset depletion is allowed as supplemental income. Arkansas is an eligible state for this program.
AmWest	Investor Advantage	Asset depletion is explicitly allowed as supplemental income.
A&D Mortgage	DSCR (No DTI), Foreign National DSCR	Asset depletion is permitted as supplemental income for both programs.
Angel Oak	Investor Cash Flow	Asset depletion is allowed as supplemental income.
Arc Home	Access DSCR, Edge DSCR	Asset depletion is allowed to increase qualifying income in combination with other income types.
Champions Funding	Accelerator DSCR 1-4 Unit, Ambassador DSCR 1-4 Unit, ITIN Accelerator DSCR 1-4 Unit, Accelerator DSCR 5-8 Unit	Asset depletion is allowed as supplemental income and can be combined with other income types.
Change Wholesale	Investor Program	Asset depletion is allowed as supplemental income.
Deephaven	DSCR, DSCR 5-9 Unit Wholesale	Asset depletion is allowed as supplemental income to increase qualifying income.
NQM Funding	Investor DSCR Program, Investor Mixed Use 2-8 Units, DSCR Supreme	Asset depletion is allowed, but LTV may be reduced by 10% when using this method.
Loan Stream	Core NonQM, Select NonQM	Asset depletion is explicitly allowed as supplemental income for DSCR loans.

If you’d like more details about any specific program or how asset depletion is calculated, let me know!