Asset Based Home Equity powered by Honest Casa
Balance-sheet underwriting See My Options

Seven figures in assets. "Insufficient income." Let's fix that sentence.

It's the most common rejection among people who've actually won the money game: retirees living on portfolios, business owners who pay themselves last, investors between liquidity events. W-2 underwriting reads you as broke. Two products read the truth instead — asset-qualifying loans that convert your portfolio into 'income' on paper, and a home equity agreement that skips the income question entirely. We offer both; your balance sheet picks.

Asset-depletion loans: your portfolio ÷ term = qualifying income — HELOCs and refis through 90+ lenders
Or the HEA: no income math at all, $0/month, up to $500K — your equity is the file
One scenario in, both routes priced — with the honest recommendation attached
Portfolio = qualificationAsset-depletion underwriting
$0/month optionThe HEA route, no income asked
No liquidation requiredAssets stay invested
Both routes, one teamYour numbers pick the winner
Your asset-based options are 60 seconds away 0%

How much do you want to unlock?

Asset loans run to $750K here; the HEA route to $500K. Check your rate as of .

$200,000

Credit line or lump sum — both routes priced

$25K$750K
Secure ~60 seconds No SSN needed

Let's start with the home equity

Both routes are anchored by your home — your portfolio enters at the next conversation.

ESTIMATED AVAILABLE EQUITY$150,000

What's your credit score range?

Your best estimate is fine — it's confirmed later in the process.

Which sounds most like you?

This routes the underwriting conversation.

What's the property address?

Start typing and select your address — we verify it instantly so your estimate is accurate.

We couldn't verify this address — check the spelling or select one of the suggestions
Unit number is required for condos & townhomes
Address is verified against official U.S. records

Where should we send your options?

Please use your full legal name (as it appears on your government-issued ID) and an email and mobile number you control — these details are verified and used in the underwriting process. Inaccurate information can delay your estimate.

Legal first name is required
Legal last name is required
Enter a valid date of birth (MM/DD/YYYY)
Enter a valid email address
Enter a valid 10-digit phone number
How your information is protected: encrypted in transit, used only to prepare your estimate and verify your identity, and never sold to third parties.
Your information is encrypted and never sold

Congrats — you're a fit!

Your scenario is in. Moh will price both routes — asset-depletion lending through the network, and the no-income HEA — and reach out with the side-by-side.

Requested amount$100,000
Estimated equity$150,000
Property—
What happens next: Watch your email and phone — Moh Alloo at West Capital Lending will personally reach out within one business day with both routes priced: the asset-qualifying loan options and the $0/month HEA. Have a rough sense of your portfolio size handy — it converts directly into loan qualification.

Fit is based on the answers you provided and is not a loan approval. Loan options are subject to verification, credit approval, and underwriting.

Two routes for the asset-rich, income-light

Same starting point — a strong balance sheet and a W-2 that undersells it — two very different mechanics.

Route 1 — Asset-qualifying loans

  • The mechanic: asset depletion — eligible assets divided across the loan term become qualifying income (a $1.5M portfolio ≈ $4–6K/month on paper, program depending)
  • What it unlocks: true HELOCs and refis up to $750K through a 90+ lender network, at rate-based pricing
  • Best when: portfolio is documentable, credit is ~660+, and a monthly payment is comfortable — the capped cost usually wins over time
  • The friction: statements, seasoning, and program-by-program asset haircuts — real underwriting, just pointed at assets

Route 2 — The HEA (no income logic at all)

  • The mechanic: a lump sum (up to $500K) for a share of your home's future value — no income calculation of any kind, not even asset math
  • What it costs monthly: nothing, for up to 30 years — settled at sale, refi, or penalty-free buyout
  • Best when: you want zero new payments, assets are complex or private, or credit dipped below loan floors (from 500 works)
  • The cost: a share of appreciation — in a strong market it can exceed loan interest; your side-by-side shows the dollars

From balance sheet to cash in 3 steps

The entire premise: underwriting that reads assets fluently instead of demanding a paycheck.

01

Send the home-equity picture

Sixty seconds: home value, mortgage balance, credit range, and which asset situation fits you. No SSN, no hard pull, no statements yet.

~60 seconds
02

Both routes get priced

Route one: asset-depletion loans, where your portfolio divided over the loan term becomes qualifying income — real HELOCs and refis at real rates. Route two: the HEA, which skips income logic entirely for $0/month. You see both.

1 business day
03

Pick what the math favors

Strong portfolio and payment-comfortable? The loan route usually prices better. Prefer nothing monthly, or want assets left entirely out of it? The HEA wins. Either way, nothing gets liquidated.

Assets stay invested

Why asset-rich borrowers get two routes here

Asset depletion, translated

Lenders divide your eligible assets over the loan term — a $1.5M portfolio can read as $4,000–6,000/month of qualifying 'income' depending on program math. No withdrawals required; the portfolio just has to exist and be documented. That unlocks genuine HELOCs and refis at competitive pricing.

The HEA skips the translation

No income calculation at all — not even the asset-depletion kind. Home equity qualifies alone: up to $500K, $0/month for up to 30 years, credit from 500. For borrowers who'd rather not document a portfolio (or whose assets are complicated), it's the shortest path to liquidity.

Nothing gets sold either way

Both routes exist to avoid the wealth-killer: liquidating investments for cash flow, triggering capital gains, and interrupting compounding. Your assets stay positioned; your house provides the liquidity.

The comparison nobody else runs

Asset-loan shops don't offer HEAs; HEA providers can't do asset lending. Offering both means the $0/month structure gets priced against the rate-based one on your actual numbers — and the honest winner gets recommended.

The two routes vs. what banks offer the asset-rich

Same borrower, four receptions — this is why the routing matters.

HEA · no income logic$0/MONTHAsset-depletion loan (we offer)Bank HELOC
Reads a portfolio as qualification Doesn't even need to Yes — that's the design Barely — wants W-2s
Income documentation None Asset statements Tax returns + W-2s
Monthly payment None Yes — rate-based Yes
Credit floor From 500 ~660+ typically ~680+ for retirees
Assets must be documented No Yes — statements Yes, and often discounted
Forces liquidation Never Never Often the 'advice'
Cost structure Share of home's future value Rate — capped, known Rate, if approved at all
Max amount here Up to $500K Up to $750K Varies

Frequently asked questions

What is an asset-based HELOC?
A home equity line where qualification comes from your assets instead of employment income — most commonly via asset depletion: the lender divides your eligible portfolio across the loan term and treats the result as monthly income. A $1.5M portfolio might read as $4,000–6,000/month depending on the program. You don't withdraw or pledge the assets in most programs; they simply have to exist, be documented, and be yours. We arrange these through a 90+ lender network alongside a second route that needs no income logic at all.
What's the second route?
A home equity agreement (HEA): a lump sum up to $500,000 for a share of your home's future value, with no monthly payments for up to 30 years and no income question in any form — no W-2s, no asset statements, no depletion math. Credit from 500 qualifies. It's the shortest path to liquidity for balance sheets that are strong but complicated to document.
Which route should I take?
The honest pattern: documentable portfolio + ~660 credit + comfort with a payment → the asset-depletion loan usually costs less over time (rate-capped, and you keep all appreciation). Prefer zero monthly obligations, want your finances left undocumented, or carrying bruised credit → the HEA. Your options sheet prices both against your actual numbers, and we're compensated either way — so the recommendation follows the math.
Do I have to move, pledge, or liquidate my investments?
No on all three, on both routes. Asset-depletion programs verify assets via statements but don't touch them — no pledging, no forced withdrawals, no custody changes. The HEA never even looks. The entire point of both products is getting liquidity without interrupting compounding or triggering capital gains.
I'm retired — is this how retirees tap equity without income?
It's the classic case. Retirees living on portfolios and Social Security get mangled by W-2 underwriting despite seven-figure balance sheets. Asset depletion converts the portfolio into qualifying income for a real HELOC; the HEA skips the exercise for $0/month. (Reverse mortgages are the third option — we'll compare honestly if you're 62+, though the HEA's lower costs and no-age-requirement often win.)
I own a business and pay myself a small salary. Do I fit?
Perfectly — it's the second-classic case. Your tax strategy minimizes W-2 income while the wealth accumulates in the business and investments. Asset-based programs read retained assets; the HEA reads only the house. Either way, the years of tax optimization stop counting against you.
What counts as 'assets' for the loan route?
Program-dependent, but typically: brokerage accounts, retirement accounts (often discounted 20–40% if you're under retirement age), cash and equivalents, and sometimes vested equity. Crypto and private holdings vary widely by lender. Each program applies its own haircuts and seasoning rules — exactly the matching a 90+ lender network is for.
How much can I access?
Loan route: HELOCs and lines up to $750,000, sized by equity and asset-derived income. HEA route: lump sums up to $500,000, sized by equity alone. The form starts the math; the specialist finishes it with your portfolio in view.
Will this require a hard credit pull to explore?
No — the form uses no SSN and no hard pull. On the loan route, a hard inquiry happens only when you proceed with a specific program. The HEA route is gentler throughout since approval doesn't hinge on credit (from 500 accepted).
Who's behind this site?
This site is operated by the team at Honest Casa (NMLS #1566096, Equal Housing Lender, Irvine, CA), offering asset-qualifying loan programs across a 90+ lender network alongside home equity agreements through a leading HEA provider we partner with. We may receive compensation from lenders or the provider, which is disclosed here. Verify licensing at NMLS Consumer Access.

Your balance sheet already qualified. Find the underwriting that agrees.

Both routes priced against your numbers in one business day — no SSN, no hard pull, nothing liquidated.

See My Asset-Based Options
Qualify on My Assets