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Atherton represents Silicon Valley's pinnacle of luxury real estate. When DSCR can't support $5M–$50M+ transactions, Pacific Rate provides sophisticated Non-QM solutions. DSCR Challenges in Atherton Super-jumbo loan amounts Property taxes exceeding $45,000/year Tech executives with stock-heavy compensation Preference for trust and LLC ownership Non-QM Solutions Bank Statement Programs: Qualify using business or personal deposits over 12-24 months. No tax returns. Perfect for tech entrepreneurs and business owners. Asset Depletion: Substantial liquid assets converted to monthly income. Ideal for tech executives with significant stock portfolios and high-net-worth individuals. Ideal Borrower Profiles Tech executives and founders Venture capitalists Serial entrepreneurs High-net-worth investors Property Types Large estate properties Gated community homes Privacy-focused estates Second homes and luxury investments Our Expertise Silicon Valley market knowledge Understanding of tech compensation Super-jumbo Non-QM structuring Private and portfolio lender access Pacific Rate: Matching Atherton's sophistication 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