What counts as an asset for qualification?

Cash, brokerage accounts, and certain retirement or investment portfolios.

Do I need employment verification?

No. Assets are used to determine repayment ability.

Can I use this for multiple properties?

Yes. Ideal for portfolio investors and property expansions.

What’s the minimum asset requirement?

Typically 1.5x the total loan amount in verified assets.

Is there a prepayment penalty?

No, flexible exit options are available.

Asset Utilization Loans

Leverage Your Assets - Not Your Income

Creare Capital Lending’s Asset Utilization Loan Program lets borrowers qualify using liquid assets instead of traditional income documentation. Perfect for high-net-worth individuals, retirees, and investors with strong reserves but limited reportable income.

This program converts verified assets—like bank accounts, stocks, or investment portfolios—into qualifying income, providing more flexibility and faster approvals.

Program Highlights

Loan Amounts: $250K – $5M

Up to 80% LTV

30-Year Fixed or ARM Options

Use Liquid Assets to Qualify

No Tax Returns Required

Investment Properties Only

Foreign Nationals Eligible

Frequently Asked Questions (FAQ)

What counts as an asset for qualification?
Cash, brokerage accounts, and certain retirement or investment portfolios.
Do I need employment verification?
No. Assets are used to determine repayment ability.
Can I use this for multiple properties?
Yes. Ideal for portfolio investors and property expansions.
What’s the minimum asset requirement?
Typically 1.5x the total loan amount in verified assets.
Is there a prepayment penalty?
No, flexible exit options are available.

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