Did you know that if you don’t have a steady verifiable income, but have a significant amount in assets, there are some lenders that will use that assets to determine your qualifying ratio and may lend to you according to it? It’s called the “Asset Utilization Program”. You don’t need to be a minimum age for this program, but credit score and Loan-to-Value ratio are more limiting. Note that assets must be significant, and we must follow specific formulas to determine the monthly qualifying income (formula varies lender to lender).