Non-QM Jumbo Loans in Pacific Palisades: When DSCR Won't Work Pacific Palisades luxury properties ($3M-$12M) often fail traditional DSCR qualification despite buyer creditworthiness. Non-QM programs provide alternative underwriting for this premium market. Pacific Palisades Financing Challenges This coastal community faces unique lending obstacles: • High median home prices vs. rental income • Elite school district premiums • Limited investment property comps • Premium insurance requirements Non-QM Solutions for Pacific Palisades Bank Statement Programs Designed for self-employed professionals: • 12-24 month bank history • 30-50% expense ratios • Business or personal accounts • No tax return requirement Asset Depletion Options Leverage investment portfolios: • Stocks and bonds (80% valuation) • 401k/IRA assets (60% valuation) • Trust accounts (70% valuation) • 84-120 month depletion terms Program Details • Loan Amounts: $1.5M - $15M • LTV: 70-80% max • FICO: 680 minimum, 720+ optimal • Rates: 7.5% - 9.5% range • Terms: 30-year fixed or ARM options Pacific Palisades Success Story $6.1M Riviera home - Bank statement approval for medical practice owner. DSCR showed 0.82, Non-QM closed in 32 days. Get Started with Your Pacific Palisades Purchase Call: (818) 880-1466 24/7: (630) 332-9115 Email: kiani105@yahoo.com Pacific Rate - NMLS #329956 | Coastal Property Specialist 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