{"specialty":{"slug":"asset-based","category":"borrower_situation","label":"Asset-based qualifying","description":"Qualifying from liquid assets (asset depletion or asset utilization) rather than employment income.","synonyms":["asset based","asset-based","asset depletion","asset utilization","retired with assets","qualify with assets","no income"],"why_hard":"Which accounts count, at what percentage, and over what term differs across lenders and programs.","questions_to_ask":["Which accounts count toward asset qualifying, and at what percentage?","How do you calculate monthly income from my assets?","Is this an agency or a non-QM program?"],"canonical_url":"https://lendb.ai/s/asset-based","api_url":"https://lendb.ai/api/v1/specialties/asset-based"}}