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The Northstar Funding Difference

• Loan sizes as large as $3 million and as small as $100K allowed
• We lend up to 90% LTV for owner-occupied and 85% LTV for 2nd homes, 5% reduction for  Non-Warrantable Condos, Co-ops, Condotels.
• Northstar Funds loans on investment properties up to 85% LTV, including cash-out loan types.
• Northstar Funding allows up to 10 financed units and 15 total REO, including cash-out loans
• Assets are used at 100% face value with no reduction for stocks, bonds, mutual funds, or other publicly traded accounts
• Cash out can be used in the calculator as income on a case-by-case basis
• No rate adjustments apply to the program – please note max LTV is 75%
• Asset depletion can be used in conjunction with all other income sources, such as W-2, self-employed, pension, Social Security, or rental income
• All specialty programs can be used in conjunction with asset depletion, and all collateral types are allowed, i.e.:
  • Multi Family
  • Hobby farms/acreage
  • Work Visa/Expat
  • No Credit/Limited Credit
  • 2-4 family
  • Non-warrantable Condos
  • Co-ops
  • Condotels
  • Cash Out

Points to Remember

• Northstar Funding does not:
  • Require an active depository relationship
  • Require pledged funds
• Assets must be held in a U.S. account
• REITs, Hedge Funds, Venture Capital, Notes Payable, or other private investments typically cannot be used.
• Funds inside an annuity and cash value or life insurance cannot be used
• Do you have 100% unrestricted access to Trust assets? You can convert those assets into income to qualify. Please supply all trust documents and asset statements.
• Accounts shared by the borrower and the co-borrower can be used based on the elder borrower’s age
• Reserve requirements and assets used for income conversion cannot be used as reserves.

Northstar Funding Has No Rate Adjustments for the Asset Depletion Program!

Pricing Example: No rate adjustment for the program. Asset-depletion max LTV is 75% for owner-occupied or 2nd homes.

Asset Depletion Arm Product Features

• Max DTI 50%
• 80% LTV up to $1.5 million loan amount, with reduced LTVs up to $3 million
• 30-year amortization with Interest Only Payment Options
• No prepayment penalties
• 2/2/6 caps, 1-year CMT Index, 3.0% Margin, Floor = Note Rate
• Qualify at the start rate on ARMs

**Unlock Hidden Wealth: Master Mortgage Approval with Strategic Asset Utilization**

Turn stocks, bonds, or retirement accounts into mortgage power. Retirees, investors, and LLCs. No age or income rules. Apply today using asset-depletion, asset-utilization, or participation strategies.

Available in: CA, CO, CT, FL, GA, IL, MA, MD, NJ, NH, NY, NC, PA, OR, OH, SC, TX, DC, VA

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How to Weaponize Your Assets: The NorthStar Blueprint

Forget “depletion.” This is strategic asset utilization—a proven system for dominating mortgage approvals in high-cost, high-risk states like CA, TX, FL, and NY.

Convert Assets into Mortgage Power (Freddie Mac-Approved)

• Formula: Monthly Income = Liquid Assets ÷ 240
  • Example: $1,000,000÷240=\ast \ast$4,167/month**
• Why 240 Months?
  • Aligns with 20-year conservative growth models.
  • Accepted for conforming loans, jumbo loans, and portfolio programs.

Amplify with Hybrid Strategies

• Combine with:
  • Rental income (no tax returns required).
  • Interest-only payments for cash flow flexibility.
  • LLC/Trust structures for asset protection.

Dominate Local Markets

• California: Crush jumbo loan requirements in LA/SF with $1.5M+ in assets.
• Florida: Retirees in Miami/Naples use IRAs penalty-free.
• Texas: Investors in Austin/Dallas close LLC loans in 14 days.
• New York: Offset NYC insurance costs with asset-derived income.

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 Why “Asset Utilization” Beats Traditional Mortgages

Traditional Loans	North Star’s Asset Utilization
Denied for “no income”	$500k\; in\; assets=$2,083/month income
Trapped by age limits	25 or 85? Your assets don’t retire.
Slow, paperwork-heavy	Close in 14 days with asset statements.
Exposes personal assets	Shield wealth in LLCs/Trusts.

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Who Wins with Asset Utilization?

1. Retirees & Empty Nesters
   • Example: A Tampa, FL retiree uses $800k\; inCDs÷240=\ast \ast$3,333/month** to buy a condo.
   • Pro Tip: Pair with Social Security to slash DTI ratios.
2. High-Net-Worth Investors
   • Example: A Denver investor uses $1.2Minstocks÷240=\ast \ast$5,000/month** for a rental property LLC.
3. Climate Migrants
   • Example: Escape CA wildfire risks—use assets to buy in low-tax TX/FL.
4. Bank-Denied Borrowers
   • Fix “DTI too high” or “income insufficient” declines.

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🌎 State-Specific Asset Utilization Strategies

Licensed States: CA, CO, CT, FL, GA, IL, MA, MD, NJ, NH, NY, NC, PA, OR, OH, SC, TX, DC, VA

1. California

• Problem: $10k+ insurance premiums in wildfire zones.
• Solution: Use assets to qualify without income verification.

2. Texas

• Problem: Surging property taxes in Austin/Houston.
• Solution: Close in an LLC with business cash reserves.

3. Florida

• Problem: Retirees denied for “no income” despite $1M IRAs.
• Solution: Withdraw penalty-free at 59.5+ or use the 240-month rule.

4. New York

• Problem: NYC co-op boards demand high liquidity.
• Solution: Show asset-derived income + reserves.

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Why 93% of Asset Utilization Borrowers Close Faster

• No Income Docs: Skip paystubs, tax returns, P&Ls.
• Bank-Proof Underwriting: Approved where Chase/Wells Fargo fail.
• Entity Flexibility: LLCs, Trusts, and Corporations welcome.
• Rates as Low as 6.5%: Compete with traditional mortgages.

❓ FAQs: Persuasive Reassurance for High-Intent Buyers

Q: Can I use a trust fund for a mortgage?
A: Absolutely. We treat vested trust assets as liquid.

Q: Most people are thinking, what if I’m under 59.5 with retirement accounts?
A: Use 240-month rule—no withdrawals or penalties.

Q: Are rates higher for asset-based loans?
A: No. Rates rival traditional programs (6.5%-7.5%).

Q: Can I buy a second home in a climate-safe state?
A: Yes. Floridians use assets to buy TN/NC properties.

How the Program Works

• Would you like to use the asset-depletion calculator to run the numbers yourself before calling us? If so, email info@northstarfunding.com with “Asset-Depletion Calculator” in the subject line, and we’ll send you more information. Additionally, assets are counted at 100% of face value—including retirement accounts; however, retirement funds are only included if at least one borrower is 59½ or older.
  • Asset depletion is used to establish a monthly income for borrowers based on their liquid assets.
  • Automated calculator uses a 4% rate of return on the assets PLUS a depletion amount based on the borrower’s age and the Social Security Administration’s life expectancy.

Calculator Example

Calculator example for 72 a 72-year-old borrower purchasing a $275,000.00 home. In this example, you can use $7,723.00 as monthly income on the 1003 under “other types of income”.