Encino represents the San Fernando Valley's most prestigious residential market. When DSCR can't support $1.5M–$6M+ transactions, Pacific Rate provides sophisticated Non-QM solutions. DSCR Challenges in Encino • Jumbo loan amounts • Entertainment and business income complexity • Property taxes exceeding $20,000/year • Self-employed professionals with write-offs Non-QM Solutions Bank Statement Programs: Qualify using business or personal deposits over 12-24 months. No tax returns. Perfect for entertainment professionals, entrepreneurs and business owners. Asset Depletion: Substantial liquid assets converted to monthly income. Ideal for high-net-worth individuals with significant investment portfolios. Ideal Borrower Profiles • Entertainment industry professionals • Medical professionals and doctors • Business owners and entrepreneurs • Real estate investors Property Types • Royal Oaks estates • Amestoy Estates properties • South of the Boulevard homes • Luxury hillside estates Our Expertise • Encino market knowledge • Understanding of entertainment income • Jumbo Non-QM structuring • Private and portfolio lender access Pacific Rate: Matching Encino luxury with financing solutions that work. Ready to Secure Your Financing? Contact Pacific Rate Today: ?? For Immediate Response: (818) 880-1466 ?? 24/7 Support: (630) 884-1362 ?? Email: support@pacificrate.com Pacific Rate - NMLS #329956 Serving California's Luxury Real Estate Markets