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Saratoga's luxury hillside community ($2M–$15M+) serves Silicon Valley professionals. When DSCR doesn't work, Pacific Rate provides Non-QM Bank Statement and Asset Depletion solutions. DSCR Limitations High-value hillside properties Tech industry compensation complexity Business owners with variable income Preference for privacy through entities Non-QM Solutions Bank Statement Programs: 12-24 month deposit-based qualification. Business or personal accounts. No tax returns. Perfect for entrepreneurs and self-employed. Asset Depletion: Substantial liquid assets converted to monthly income. Stock portfolios, savings, retirement accounts. Ideal for tech executives. Ideal Borrowers Tech industry professionals Business owners and consultants Retired executives Real estate investors Property Types Hillside luxury homes Vineyard estates Gated community properties Second homes and investments Pacific Rate Advantage Silicon Valley market expertise Understanding of tech compensation Fast Non-QM approvals White-glove service When traditional lending doesn't fit, Pacific Rate restructures for success. 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