Earnest can consider any accounts that are based in the US and have a balance in USD. These can be checking accounts, savings accounts, retirement accounts, or investment accounts that are held by the applicant. If you have assets that are owned jointly by you and another person, we can split the amount as long as we are able to verify your joint-ownership. We are not able to consider real estate property value, automobiles, cash kept outside of a bank, gold, or other physical property as assets. We are also not able to consider bitcoin accounts as assets at this point in time.