La Jolla's coastal luxury market ($1.8M–$18M+) requires flexible financing solutions. Pacific Rate specializes in Non-QM Bank Statement and Asset Depletion loans when DSCR falls short. Why DSCR Limitations Occur Premium coastal property values High property taxes and insurance Rental income constraints Sophisticated buyer profiles Our Non-QM Solutions Bank Statement Non-QM: Qualify using deposits from business or personal accounts. 12-24 month options. No tax returns required. Ideal for self-employed professionals. Asset Depletion: Liquid assets become qualifying income. Brokerage accounts, savings, retirement funds. Perfect for high-net-worth buyers. Target Buyers Biotech and healthcare executives Business owners and consultants Retired professionals Real estate investors Property Categories La Jolla Shores properties Bird Rock estates La Jolla Farms luxury homes Second homes and investments Why Pacific Rate San Diego luxury market expertise Rapid Non-QM structuring Portfolio lender relationships Seamless transaction management When DSCR creates obstacles, Pacific Rate creates solutions. Contact us today. 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