Thousand Oaks represents the Conejo Valley's most prestigious residential market. When DSCR can't support $1M–$5M+ transactions, Pacific Rate provides sophisticated Non-QM solutions. DSCR Challenges in Thousand Oaks • Jumbo loan amounts • Self-employed and corporate income complexity • Property taxes and HOA fees • Business owners with write-offs Non-QM Solutions Bank Statement Programs: Qualify using business or personal deposits over 12-24 months. No tax returns. Perfect for business owners and self-employed professionals. Asset Depletion: Substantial liquid assets converted to monthly income. Ideal for high-net-worth individuals with significant investment portfolios. Ideal Borrower Profiles • Corporate executives • Small business owners • Healthcare professionals • Real estate investors Property Types • Lake Sherwood estates • North Ranch luxury homes • Westlake Village properties • Custom hillside estates Our Expertise • Conejo Valley market knowledge • Understanding of executive compensation • Jumbo Non-QM structuring • Private and portfolio lender access Pacific Rate: Matching Thousand Oaks excellence 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