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DSCR Falls Short in Saratoga—Pacific Rate Keeps Your Deal Moving
December 25th, 2025 2:44 PM

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


Posted in:General
Posted by Tony Kiani on December 25th, 2025 2:44 PMPost a Comment

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