Asset Utilization
Asset Utilization
Best for: High Net Worth / Low Income
| Best For | High Net Worth / Low Income |
| Max Loan Amount | $5,000,000 |
| Min Loan Amount | $150,000 |
| Min FICO | 680 |
| Max LTV | 80% |
| Max DTI | No DTI See Guidelines |
| Short-Term Rental | Y |
| Interest Only | Y |
| Fixed Rate | Y |
| Adjustable Rate | Y |
| Subordinate Financing | N |
| Occupancy | Primary 2nd Home Investment |
| Property Types (1 ADU permitted for SFR) | SFR / PUD 2–4 Unit Warrantable Condo Non-Warrantable Condo Condotel Co-Op Modular |
| Transaction Types | Purchase Rate-Term Refi Cash-Out Refi |
Asset Utilization Mortgage — Qualify Without Income
High-net-worth borrowers often hold substantial wealth in liquid and investment accounts while reporting modest or variable income on paper. AMS's Asset Utilization program recognizes this reality, allowing borrowers to qualify based on the value of their assets — without a traditional DTI calculation.
Rather than documenting employment or business income, qualifying assets are spread across a defined term to generate a monthly income equivalent. For borrowers with significant portfolios, this approach can unlock financing that traditional underwriting would otherwise decline.
Who This Program Is For
The Asset Utilization program is ideal for:
• High-net-worth individuals with significant liquid or investment assets
• Retirees and pre-retirees with portfolio income that isn't easily documentable
• Business owners whose personal assets far exceed their reported income
• Borrowers with complex financial profiles who don't fit traditional income documentation
• Clients purchasing primary residences, second homes, or investment properties
Key Program Highlights
No DTI calculation — qualification is asset-driven. Up to 90% LTV. All occupancy types are eligible, including investment properties and short-term rentals. Interest-only options are available to preserve liquidity for asset-rich borrowers. Loans available up to $5,000,000.
Additional guidelines and overlays may apply. Contact your AMS Account Executive for complete program details.