Your Newport Beach Lifestyle— Financed By Your Assets
You've built a portfolio that reflects decades of smart decisions. Now you want the coastal lifestyle you've earned—Newport Coast, Laguna Beach, Crystal Cove. Traditional lenders see complexity. We see opportunity.
Coastal Properties Move Fast
Ocean-view properties in Newport and Laguna rarely last a week. Pre-approval with asset documentation ready is essential. Act now.
Joe Shalaby
Founder & Senior Loan Officer
NMLS #139369
"Orange County attracts successful people—entrepreneurs who sold companies, executives with stock-heavy compensation, retirees with substantial portfolios. Their tax returns often don't reflect their true wealth. Asset depletion lets me see the complete picture and get deals done."
Why Orange County Buyers Choose Asset Depletion
Business Owners & Founders
You reinvest profits, minimize taxable income, and build equity. Your tax returns show losses while your net worth grows. Asset depletion recognizes your true wealth.
Coastal Lifestyle Seekers
Newport Harbor, Laguna's coves, Dana Point's marina—you've earned the right to wake up to ocean views. Your portfolio makes it possible without traditional income.
Early Retirees
FIRE movement success stories. You retired at 45 with $5M in investments. No W-2, no problem. Your assets speak louder than any paycheck.
Asset-Based Qualification
- Loan amounts up to $10M+
- No tax returns required
- No employment verification
- Interest-only options available
- Primary, second home, or investment
VA No Loan Limit
- No loan limit with full entitlement
- $0 down payment on any amount
- No PMI ever
- Combine with asset income
- Camp Pendleton, El Toro veterans
Recent Orange County Closings
Tech founder, sold company 2 years ago. $10M in investments, no current income. Denied by Wells Fargo Private Bank. Closed in 26 days.
Navy veteran, now hedge fund manager. Complex K-1 income. $0 down, no PMI on ocean-view Laguna home. Closed in 28 days.
Retired surgeon couple. $6M in retirement accounts, minimal taxable income. Qualified using asset depletion. Closed in 24 days.