Adam Styer, Texas Mortgage Broker, NMLS #513013

asset depletion mortgage Austin TX · Texas · NMLS #513013

Asset Depletion Mortgages in Austin TX

For Austin borrowers whose balance sheet is stronger than their W-2 or tax return.

Model Asset-Based OptionsSchedule Strategy Call

Call (512) 956-6010

Client Reviews | Complex Income | Licensed in Texas | NMLS #513013

Start with a quick conversation

What happens next

  1. Adam uses your contact info and loan goal to follow up and gather the missing scenario details.
  2. On that call, he reviews the income, property, or build details and tells you what is worth documenting next.
  3. You get a no-pressure next step, even if a bank already said no.

No judgment. You do not need a perfect tax return to start the conversation.

CPA, advisor, or agent with a client scenario? Talk through it with Adam.

NMLS#: 2526130 (Company) · 513013 (Adam Styer)

Asset depletion mortgage options for Austin retirees, founders, executives, and high-net-worth borrowers whose assets tell the real story.

Why asset depletion matters in Austin

Austin has many borrowers with real wealth but irregular income: founders after an exit, retirees drawing from investments, executives with equity compensation, and high-net-worth buyers between roles. Asset depletion can turn eligible liquid assets into qualifying income when employment income is not the cleanest path.

What Adam reviews first

Adam reviews asset type, ownership, liquidity, retirement-account treatment, reserves, down payment, loan amount, property type, and whether conventional, jumbo, portfolio, or Non-QM asset-based underwriting fits best. The answer depends on the program and the full file.

Advisor-friendly approach

For high-net-worth clients, discretion matters. Adam can coordinate around the mortgage file without acting as the tax, legal, or investment advisor. The goal is to protect the borrower's broader wealth strategy while solving the financing problem.

Who this page is for

  • Austin retirees with brokerage and retirement assets
  • Founders after liquidity events or career transitions
  • Executives and high-net-worth buyers with portfolio-based qualification needs

For the broader program details, start with the Texas asset depletion mortgage guide. This page narrows that guidance to asset depletion mortgage Austin TX searches and Austin/Central Texas borrower scenarios.

Common Questions

Some programs allow eligible assets to support qualifying income when employment income is limited or not the best fit. Treatment varies by asset type, ownership, liquidity, age, and investor guideline.

Not automatically. Some private-bank structures require assets under management, but many brokered asset-based programs may not. The right comparison depends on pricing, liquidity, and relationship requirements.

Checking, savings, brokerage, and retirement assets may count differently. Restricted stock, trust assets, business interests, or jointly held accounts require more careful review.

No. It may also fit founders, executives, investors, and high-net-worth borrowers whose assets are stronger than current W-2 or tax-return income.

Related Complex-Income Pages

Model Asset-Based Options

Tell Adam what you are trying to buy, how income is documented, and where the bank got stuck. He will map the realistic paths before you commit to a full application.

Model Asset-Based OptionsBook a 15-Minute Call

Or call (512) 956-6010 — NMLS #513013