Los Gatos' charming luxury market ($1.8M–$12M+) requires sophisticated financing. Pacific Rate specializes in Non-QM solutions when DSCR calculations fall short. Why DSCR Fails Premium Silicon Valley pricing High property taxes and HOA fees Tech buyers with equity compensation Self-employed professionals Non-QM Alternatives Bank Statement Loans: Qualify using actual deposits over 12-24 months. Business or personal accounts. No tax returns required. Ideal for business owners and entrepreneurs. Asset Depletion: Liquid assets become income. Investment portfolios, savings, retirement funds. Perfect for high-net-worth individuals. Target Buyers Tech industry professionals Business owners Retired executives Real estate investors Property Categories Hillside luxury homes Downtown proximity properties Vineyard estates Second homes and investments Our Process Review your financial profile Evaluate DSCR vs Non-QM Structure optimal solution Present lender options Close efficiently Pacific Rate: Bringing Silicon Valley financing expertise to Los Gatos luxury real estate. 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