Wealth · Florida
Asset-Based / Asset Depletion in Florida
Cash-rich, income-light in Florida? Qualify using your investment, retirement, and brokerage balances — no employment required.
Common challenges we solve
- No W-2 or recent earned income
- Significant liquid net worth
- Wanting to preserve assets, not deplete them
What you get with Lumos
Qualifying income derived from total assets
Jumbo and super-jumbo eligible
No employment verification
Loan programs that typically fit
Frequently asked
- Do you actually deplete my assets?
- No — it's only a qualifying formula. You keep your money invested.
- What assets count?
- Brokerage, retirement, and most liquid accounts. 100% checking/savings, 70% retirement.
