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Non-QM Jumbo Loans in Pacific Palisades: When DSCR Won't Work
December 25th, 2025 2:30 PM

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


Posted in:General
Posted by Tony Kiani on December 25th, 2025 2:30 PMPost a Comment

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