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When DSCR Falls Short, Non-QM Financing Keeps Tech Deals Moving in Palo Alto
December 25th, 2025 2:35 PM

Palo Alto's luxury market ($2.5M–$20M+) serves tech industry professionals who often need Non-QM financing when DSCR calculations don't support their transactions.

Why DSCR Falls Short

High property values in tech hub
Stock-based compensation complexity
Startup founders with non-traditional income
Equity-rich, income-light profiles

Non-QM Alternatives

Bank Statement Loans: Business or personal deposits over 12-24 months qualify you. No tax returns required. Ideal for entrepreneurs, startup founders, and consultants.

Asset Depletion: Substantial liquid assets = monthly income. Stock portfolios, savings, retirement accounts all qualify. Perfect for tech executives.

Target Buyers

Tech executives and engineers
Startup founders
Venture capitalists
Consultants and advisors

Property Categories

Old Palo Alto estates
Crescent Park properties
Professor's Row homes
Second homes and investments

Pacific Rate Advantage

Tech industry expertise
Understanding of equity compensation
Rapid Non-QM approvals
Multiple lender options

When traditional lending doesn't understand tech compensation, Pacific Rate does.

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 2:35 PMPost a Comment

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