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DSCR Challenges in Atherton
December 25th, 2025 2:03 PM

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


Posted in:General
Posted by Tony Kiani on December 25th, 2025 2:03 PMPost a Comment

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