No Tax Return Mortgage Using Assets in Austin & Denver
You have $1M-$10M+ in assets but your tax returns are a mess. We get it. Let's use your wealth to qualify instead of your W-2.
Joe Pisa
Founder & Senior Loan Officer
NMLS #139369
"If Rocket, Chase, or your local credit union just crushed your dreams because of your credit score, self-employed income, or because you want to count your Airbnb income — you're in the right place."
Hey, Austin and Denver are full of tech entrepreneurs, startup founders, and business owners who have built serious wealth — but their tax returns look like a disaster because they reinvest everything. Sound familiar? Banks look at your 1040 and see $80k in income. We look at your brokerage account and see $3M in assets. Guess which one actually matters? We use asset depletion (also called asset participation) to turn your liquid assets into qualifying income. No tax returns. No W-2s. Just proof that you have the money.
Why We Close What Banks Deny
- 100% of retirement accounts (401k, IRA) counted toward income
- 70% of non-retirement assets (stocks, bonds, crypto) counted
- No tax returns required — ever
- No employment verification needed
- Loan amounts up to $3.5 million
- Works for primary residence, second homes, and investment properties
Recent Closings in Austin & Denver
These are real deals we closed. Banks denied them. We didn't.
Tech founder — $6M in RSUs and brokerage, no W-2 income
Early retiree — $4.2M in 401k + IRA, wanted to avoid tax return hassle
Business owner — $2.8M in assets, business shows loss on taxes
Asset-Based Mortgages Questions for Austin & Denver
Real questions we get daily — with straight answers
Can I qualify for a mortgage in Austin without showing tax returns?
Yes. If you have significant liquid assets ($500k+), we can use asset depletion to calculate monthly income. No tax returns, no W-2s, no 1099s.
How do you calculate income from assets?
We take your eligible assets, apply 70-100% (depending on asset type), and divide by 360 months. $3M in assets = roughly $7,000-$8,300/month in qualifying income.
Do RSUs and stock options count?
Vested RSUs that you can sell today — yes. Unvested options — no. We need assets you can access, not future compensation.
What's the minimum asset amount for Denver?
Generally you need enough to cover 3-5 years of payments plus reserves. For a $1M loan, you'd want at least $400k-$600k in liquid assets.
Can I combine asset income with other income sources?
Absolutely. If you have rental income, Social Security, or dividends, we add those to your asset-derived income.
What about cryptocurrency?
Some programs accept crypto as assets. We need 60-90 days of statements showing stable value. Bitcoin, Ethereum, and major coins work best.
NorthStar Funding is a licensed mortgage broker. NMLS #139369. Equal Housing Lender. All loans subject to credit approval. Rates and terms subject to change without notice.