Programs
Asset Utilization

Asset Utilization

Min. FICO 620
Up to 80% CLTV

Program Overview:

Specifically tailored for high-net-worth individuals, retirees, or borrowers with significant liquid wealth. Legions Capital converts qualified liquid assets into a stable monthly income stream to satisfy DTI requirements without traditional employment verification.

Broker Advantage:

  • Post-Employment Solution: Secure financing without a paycheck by leveraging wealth accumulation.
  • Documentation Relief: No income or employment needs disclosure on the 1003 for stand-alone qualification.
  • Wealth Multiplier: Use 100% of cash and 90% of stock/bond values for calculation.
  • Qualify on Autopilot: No W-2s or P&Ls - just most recent 6 months of statements to prove power.

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DSCR FAQ

How does asset utilization work?

Income is calculated based on qualifying liquid assets.

What assets are eligible?

Checking, savings, brokerage, and eligible retirement accounts.

Are bank statements required?

Not required up to 70% LTV.

Who benefits most from this program?

Retirees and high-net-worth borrowers.

Are reserves required?

Yes. Three months of reserves are required.

Exlpore more Asset Utilization Loan Programs

1Y or 2Y Full Doc Non-QM

Min. FICO 620
Up to 90% CLTV
  • Loan amounts up to $3.5. million
  • DTI allowed up to 55% on owner-occupied
  • Minimum 3 months of reserves

1Y + 2Y P&L

Min. FICO 660
Up to 80% CLTV
  • P&Ls reviewed by CPA, CTEC provider, or IRS Enrolled Agent
  • Bank statements not required up to 70% LTV
  • Loan amounts up to $2.5 million

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Contact Us
Weekdays 8 am to 9 pm EST
1(833) 553-0505
21800 Burbank Blvd Suite
#100, Woodland Hills, CA 91367
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Legions Capital, Inc. is an Equal Housing Lender. NMLS ID #1553947. 21800 Burbank Boulevard, Suite 100, Woodland Hills, CA 91367. 818-818-483-4542. State Licensing: Legions Capital, Inc. is licensed by: AZ #BK-2008712 “Arizona Mortgage Banker License”; CA #60DBO-64540 “Licensed by the Department of Financial Protection and Innovation under the California Financing Law”; CO “Mortgage Company Registration”; CT #ML-1553947 “Mortgage Lender License”; FL #MLD2349 "Mortgage Lender Servicer License"; GA #1553947 “Mortgage Lender License/Registration”; MI #FL0026913 “1st Mortgage Broker/Lender Registrar”; OR #1553947 “Mortgage Lending License”; PA #116958 "Mortgage Lender License"; SC-BFI #MLS-1553947 “Mortgage Lender/Servicer License”; TN #1553947 ”Mortgage License”; TX-SML “Mortgage Banker Registration”; WA #CL-1553947 “Washington Consumer Loan Company License”; WI #1553947BR “Mortgage Banker License”. Verify our licenses at: www.nmlsconsumeraccess.org. Texas Consumers: Click here to view the Texas Consumer Complaint & Recovery Fund Notice. Availability: Loan approval and rates are dependent upon applicant’s credit, collateral, financial history, and program availability at time of origination. Programs and rates are subject to change without notice and may or may not be available at the time of loan commitment or lock-in.
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