Qualify with Your Assets – No Traditional Income Required
SiFi Lending offers Asset-Based Lending — a flexible Non-QM mortgage solution that qualifies borrowers using liquid assets, investment portfolios, or asset depletion rather than traditional employment income or tax returns.
Qualify with Your Assets – Asset-Based Mortgages for High-Net-Worth & Complex Borrowers
Traditional income verification doesn’t work for everyone. SiFi Lending’s Asset-Based program lets you qualify based on your overall financial strength — including retirement accounts, brokerage portfolios, savings, and other liquid assets. We calculate sustainable income through asset depletion methods or review your asset base directly.
Ideal for retirees, high-net-worth individuals, self-employed professionals, real estate investors, and borrowers with significant wealth but non-traditional income.
Qualify using liquid assets
& portfolios
No need for W-2s or tax returns; we use asset depletion or your investment holdings to determine borrowing power.
Flexible for unique borrower profiles
Supports primary residences, second homes, and investment properties; competitive leverage for strong asset scenarios with nationwide availability.
Fast and
reliable closings
Average 15-day timeline from submission to funding, with boutique service and the execution certainty you expect from SiFi Lending.
Why Choose SiFi Lending for Your Asset-Based Loan?
SiFi Lending specializes in complex financial situations where conventional lenders fall short. We deliver tailored solutions with high leverage, creative structuring, and elite reliability.
No rigid guidelines — just smart financing built around your actual wealth and goals.
Ready to leverage your assets for a mortgage?
Get a personalized Asset-Based quote today or Apply Now to see how simple qualifying with your portfolio can be.
All loans subject to credit approval, underwriting guidelines, and eligibility. Terms, conditions, and restrictions apply. SiFi Lending, NMLS #2563307.