Asset-Based
Loan Programs

— ASSET-BASED LOANS

Pacific Home Loans specializes in Asset-Based and Asset Depletion financing solutions for high-net-worth borrowers, retirees, real estate investors, and clients whose financial strength is reflected more accurately through assets than traditional income documentation.

Conventional mortgage underwriting was built around paychecks, W-2 income, and tax returns. Many financially successful borrowers operate very differently. Retirees, investors, business owners, and high-net-worth clients often maintain substantial liquidity, large investment portfolios, retirement assets, and significant real estate equity – while reporting relatively little traditional income.

Asset-Based financing solves that problem by focusing on the strength of your balance sheet rather than employment income alone.

As a hybrid mortgage bank and broker, Pacific Home Loans has been funding Asset-Based loans in-house since 2018 while maintaining access to one of the most diverse Non-QM investor shelves in the industry – giving high-net-worth borrowers both the speed of an in-house lender and the program breadth needed to optimize complex asset structures across brokerage, retirement, and real estate equity.

Whether you are financing a primary residence, a luxury home, an investment property, a resort property, a non-warrantable condominium, a condotel, or a luxury second home, our team structures financing solutions designed around accumulated wealth, liquidity, and long-term financial positioning.

— ABOUT ASSET-BASED LOANS

All programs remain subject to underwriting guidelines and investor overlays.

— PROPERTY TYPES

Asset-Based financing may be available for:

• Primary residences
• Second homes
• Investment properties
• Luxury homes
• Resort properties
• Non-warrantable condominiums
• Resort condominiums
• Condotels
• Luxury investment properties

Project review may be required depending on condominium classification, occupancy, HOA structure, zoning, and investor guidelines.

— LUXURY & RESORT FINANCING

Many high-net-worth borrowers financing luxury homes, resort real estate, non-warrantable condominiums, vacation properties, luxury short-term rental homes, and condotels use Asset-Based financing because traditional income documentation may not accurately reflect overall financial strength.

Asset-Based financing is commonly used by retirees, high-net-worth investors, liquidity-event borrowers, and sophisticated real estate investors.

For eligible non-warrantable resort condos with lower down payments (from 20%):
→ PrimeResort™ Vacation Rental Condo & Resort Financing

For condotels, luxury property financing, jumbo and super jumbo lending, and pledged-asset structuring:
→ Portfolio Loans, Condotel Financing & Strategic Luxury Property Solutions

For investors qualifying primarily on rental cash flow:
→ DSCR / Investor Cash Flow Loan Programs

— COMPARING PROGRAMS

Different Non-QM programs are designed for different borrower profiles and qualification strategies:

Asset-Based Loans
Best for: borrowers qualifying primarily based on assets, liquidity, and overall balance-sheet strength.

Bank Statement Loans
Best for: self-employed borrowers qualifying based on personal or business deposit history and cash flow.
→ Bank Statement Loan Programs

DSCR / Investor Cash Flow Loans
Best for: investors qualifying primarily based on the property’s rental income rather than personal income.
→ DSCR / Investor Cash Flow Loan Programs

1099 Income Loans
Best for: independent contractors using gross 1099 income documentation rather than deposit history.
→ 1099 Income Loan Programs

Foreign National Loans
Best for: international buyers purchasing U.S. real estate.
→ Foreign National Loan Programs

— MARKETS SERVED

Pacific Home Loans has been structuring Asset-Based financing since 2018 across:

• Arizona
• California
• Colorado
• Hawaii
• Montana
• Nevada
• Oregon
• Tennessee
• Texas
• Washington

Program availability may vary depending on investor guidelines and property type.

— WHY PACIFIC HOME LOANS

Asset-Based lending requires more than reviewing account statements. It requires understanding liquidity positioning, balance-sheet analysis, real estate equity structures, reserve management, and sophisticated borrower profiles. Pacific Home Loans has been structuring Asset-Based financing since 2018 – and our team understands how to structure financing for high-net-worth borrowers, retirees, investors, business owners, luxury property buyers, and complex financial profiles.

In-House Funding Plus a Broker Shelf

Pacific Home Loans operates as a hybrid mortgage bank and broker. The majority of our Non-QM loans – Asset-Based included – are funded in-house, which means faster decisions, direct underwriting access, and control over the process from application to close. When a transaction fits better with another investor, our broker shelf gives us access to one of the most diverse Asset-Based program offerings available.

For Asset-Based borrowers specifically, the shelf depth matters because investors vary widely in what they count and how they count it: which retirement accounts qualify, how real estate equity is treated, what discount factors apply to brokerage holdings, whether pre-retirement-age withdrawals are allowed in the calculation, how trust assets are evaluated. The right program for a 55-year-old executive with concentrated equity comp looks very different from the right program for a 70-year-old retiree drawing from a diversified portfolio. Multiple investors on the shelf means we can match each borrower to the program that produces the strongest qualification picture – rather than forcing every file into one investor’s depletion formula.

We understand that accumulated wealth, substantial liquidity, and long-term balance-sheet strength often tell a very different story than traditional income documentation alone.

— PHL CAPITAL PLATFORM

— COMMON QUESTIONS