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Palo Alto's luxury market ($2.5M–$20M+) serves tech industry professionals who often need Non-QM financing when DSCR calculations don't support their transactions. Why DSCR Falls Short High property values in tech hub Stock-based compensation complexity Startup founders with non-traditional income Equity-rich, income-light profiles Non-QM Alternatives Bank Statement Loans: Business or personal deposits over 12-24 months qualify you. No tax returns required. Ideal for entrepreneurs, startup founders, and consultants. Asset Depletion: Substantial liquid assets = monthly income. Stock portfolios, savings, retirement accounts all qualify. Perfect for tech executives. Target Buyers Tech executives and engineers Startup founders Venture capitalists Consultants and advisors Property Categories Old Palo Alto estates Crescent Park properties Professor's Row homes Second homes and investments Pacific Rate Advantage Tech industry expertise Understanding of equity compensation Rapid Non-QM approvals Multiple lender options When traditional lending doesn't understand tech compensation, Pacific Rate does. 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