How SBLOC, margin loans, and asset-depletion mortgages actually work — the mechanics of borrowing against a portfolio to fund a home purchase.
Super jumbo mortgage calculator: private-bank pricing above $1.25M, 12-24 month reserve requirements, tighter DTI, and worked $2.4M math against the $750K cap.
Read more about Super Jumbo Mortgage Calculator: Loans Above $1.25M →2026 jumbo mortgage calculator: $832,750 baseline threshold, $1,249,125 high-cost ceiling, PITI math, and how jumbo DTI qualifying differs from conforming.
Read more about Jumbo Mortgage Calculator: 2026 Limits, PITI, and HNW Math →Asset depletion calculator: convert a portfolio balance to imputed monthly income using the 70% haircut and 360-month divisor for jumbo DTI qualifying.
Read more about Asset Depletion Mortgage Calculator: Qualify on Portfolio →When a Schwab Pledged Asset Line beats a jumbo or IBKR margin for a home purchase: the application process, the two LTVs that govern safety, and a worked $1M example.
Read more about Schwab Pledged Asset Line for a Home Purchase: When It Wins, the Process, and the Rate Schedule →If you're buying before you sell, an SBLOC bridge is faster and cheaper than a traditional bridge loan. Here's the math, the timeline, and the risk to manage.
Read more about Using an SBLOC as a Bridge Loan: When It Actually Makes Sense →A clear walkthrough of the tracing rules, investment interest deduction limits, and home acquisition indebtedness rules that determine whether your SBLOC interest is deductible.
Read more about Is SBLOC Interest Tax Deductible? The Rules Explained →IBKR Pro margin is the cheapest leverage available to most retail investors. Here's when to use it for a home purchase — and when its enforcement model makes a slower SBLOC the better choice.
Read more about Interactive Brokers Margin vs SBLOC for a Home Purchase →PAL and SBLOC get used interchangeably, but the underlying products have meaningful differences in structure, rate, and enforcement. Here's what actually separates them.
Read more about Pledged Asset Line vs SBLOC: Are They the Same Thing? →Published SBLOC rates at Schwab, Fidelity, IBKR, and Morgan Stanley as of October 8, 2026, with side-by-side cost on a $1M draw.
Read more about SBLOC Rates 2026: Schwab, Fidelity, IBKR, Morgan Stanley →An SBLOC is a margin loan that's been moved into a different filing cabinet. This guide walks through the actual mechanics — advance rates, the two LTVs that matter, what a maintenance call looks like minute by minute, and when the math stops working.
Read more about How an SBLOC Works: A Complete Guide for Investors →