# Asset-Depletion Loan

> Asset-Depletion Loan serves a timing, documentation, collateral, or borrower profile outside ordinary channels

| Field | Value |
|---|---|
| Stable ID | `node:kiduna:real-estate-mortgage:alternative-finance:asset-depletion-loan` |
| Family | Alternative & Non-QM Finance |
| Domain | Economics |
| Era | Agentic Age |
| Kind | financial-instrument |
| Archetype | The Claim |
| Claim layers | empirical, cultural_historical, synthesis, interpretive, symbolic_divinatory |

## What it is

Asset-Depletion Loan is a financial instrument in the Alternative & Non-QM Finance family, defined here by the function it performs in the property system rather than by label alone.

## What it actually does

Asset-Depletion Loan serves a timing, documentation, collateral, or borrower profile outside ordinary channels.

## Why it exists

It exists because place is unique and immovable while law, capital, information, and human lives must still coordinate around it across time.

## System mechanics

- **Who uses it:** owner, occupant, buyer, seller, lender, investor, steward, regulator
- **Incentives:** access to capital, yield, liquidity, risk allocation
- **Inputs:** capital, terms, collateral or cash flow, counterparties, risk assumptions
- **Outputs:** funding, cash-flow claims, obligations, risk allocation
- **Dependencies:** Land, Authority, Information, Capital, Time

## Archetypal reading

- **Essence:** Asset-Depletion Loan serves a timing, documentation, collateral, or borrower profile outside ordinary channels
- **Gift:** Clarity about asset-depletion loan makes a hidden allocation of place, time, authority, value, or risk available for deliberate choice.
- **Wound / Shadow:** When asset-depletion loan is treated as neutral or inevitable, its costs can be shifted to people who hold less information, authority, liquidity, or mobility.
- **Failure mode:** The failure mode appears when asset-depletion loan is stale, opaque, mispriced, misrecorded, overextended, or applied outside the conditions that made it useful.

## Lenses

- **Personal:** Notice where asset-depletion loan appears as a structure in your own commitments: what is held, promised, priced, protected, excluded, or deferred?
- **Business:** Asset-Depletion Loan reveals a handoff among information, authority, incentives, operating work, and capital. Make the owner of each handoff explicit.
- **Financial:** Asset-Depletion Loan changes the timing, priority, comparability, liquidity, or distribution of cash flow and risk.
- **Property:** Asset-Depletion Loan changes how a physical place can be used, valued, financed, transferred, occupied, maintained, or reclaimed.
- **Community:** Asset-Depletion Loan can create benefits inside one parcel while exporting costs or opportunity to neighbors, institutions, or future residents.

## Divination

The Claim enters the reading through Asset-Depletion Loan. The issue is not only what is visible; it is which map of ownership, time, risk, authority, or belonging currently governs the situation.

**Question:** What future is being pledged through Asset-Depletion Loan, and who receives protection if conditions change?

**Guidance:** Separate access from cost, payment from principal, and temporary liquidity from permanent viability.

## Game function

Moves Capital now and creates a future Claim with explicit priority and failure consequences. Initiative 4.

## Relationships

- **USDA Direct Loan conflicts with Asset-Depletion Loan.** USDA Direct Loan conflicts with Asset-Depletion Loan through a change in rights, information, cash flow, priority, timing, or physical use.
- **Debt-Service-Coverage-Ratio Loan prices Asset-Depletion Loan.** Debt-Service-Coverage-Ratio Loan prices Asset-Depletion Loan through a change in rights, information, cash flow, priority, timing, or physical use.
- **Asset-Depletion Loan documents Interest-Only Non-QM.** Asset-Depletion Loan documents Interest-Only Non-QM through a change in rights, information, cash flow, priority, timing, or physical use.
- **Asset-Depletion Loan is evidenced by Application.** Asset-Depletion Loan is evidenced by Application through a change in rights, information, cash flow, priority, timing, or physical use.

## Oppositions

- Use Value versus Exchange Value
- Speed versus Diligence

## Historical lineage and regulatory context

Read Asset-Depletion Loan through the lineage of Alternative & Non-QM Finance: earlier customary or local arrangements became recorded, standardized, financed, regulated, digitized, or contested over time.

Rules vary by jurisdiction and transaction. Use the cited primary sources as starting points and verify current local law, program guides, contracts, and professional standards before operational use.

## Visual direction

Text-free rounded-square enamel artifact for Asset-Depletion Loan: a luminous claim-line descending from a built form into layered earth and extending across a long brass timeline; vitreous midnight enamel, blackened steel, warm brass, copper accents, mortgage-paper cream, deep green, slate, and sky blue.

## Engine output / Sentinel handoff

The generative interpretation above is preserved as Engine Output. Sentinel factors: jurisdiction-specific rules, factual uncertainty. These factors request contextual review; they do not delete or silently rewrite the candidate.

## Research / provenance

- [Ability-to-Repay and Qualified Mortgage Rule](https://www.consumerfinance.gov/compliance/compliance-resources/mortgage-resources/ability-repay-qualified-mortgage-rule/) — Consumer Financial Protection Bureau; ATR/QM and residential underwriting.
- [Comptroller's Handbook — Commercial Real Estate Lending](https://www.occ.gov/publications-and-resources/publications/comptrollers-handbook/files/commercial-real-estate-lending/pub-ch-commercial-real-estate.pdf) — Office of the Comptroller of the Currency; CRE lending, DSCR, debt yield, cap rate, valuation, risk.
