San Francisco represents California's most prestigious urban luxury market. When DSCR can't support $2M–$20M+ transactions, Pacific Rate provides sophisticated Non-QM solutions. DSCR Challenges in San Francisco • Super-jumbo loan amounts • Property taxes and HOA fees exceeding $30,000/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 • Pacific Heights estates • Marina District condos • Russian Hill luxury homes • Nob Hill penthouses Our Expertise • San Francisco market knowledge • Understanding of tech compensation • Super-jumbo Non-QM structuring • Private and portfolio lender access Pacific Rate: Matching San Francisco'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