3 Ways to Qualify for a Jumbo Loan Without Traditional Income

 

Many high-net-worth individuals struggle to qualify for jumbo loans—not because they lack the money, but because traditional income documentation doesn’t reflect their full financial picture.

Here are three alternatives that may help you qualify:

1. Asset Depletion Loans
   We calculate monthly “income” based on your liquid assets instead of paystubs or tax returns.

2. Pledged Asset Loans
   Use investment accounts as collateral, allowing you to borrow more without liquidating assets.

3. Income Stacking
   Self-employed? Gig worker? We can combine multiple income sources—like K-1s, 1099s, and rental income—to meet qualifying thresholds.

If you’re asset-rich but income-light—or just have complex finances—let’s talk. Our jumbo loan strategies are designed with you in mind.

Joe Costa | The Park Place Collective Group

402 West Broadway, Suite 400

San Diego, CA 92101

619.990.7552

www.parkplacecollective.com