Montecito's ultra-luxury coastal estates ($3M–$40M+) represent California's most exclusive real estate. When DSCR can't support your transaction, Pacific Rate provides sophisticated Non-QM solutions. DSCR Challenges in Montecito Super-jumbo loan amounts Premium coastal property values Property taxes exceeding $32,000/year Celebrity and high-net-worth buyers Our Non-QM Solutions Bank Statement Programs: Qualify using 12-24 months of deposits. Business or personal accounts. No tax returns. Perfect for entertainment industry professionals and business owners. Asset Depletion: Substantial liquid assets converted to income. Investment portfolios, trust assets, retirement accounts. Ideal for ultra-high-net-worth individuals. Ideal Buyer Profiles Entertainment industry professionals Business executives and owners Trust and family office buyers International high-net-worth individuals Property Types Oceanfront estates Hillside luxury properties Private gated estates Second homes and vacation properties Why Choose Pacific Rate Montecito market expertise Super-jumbo Non-QM structuring Private and portfolio lender access Discretion and white-glove service Pacific Rate: Where Montecito sophistication meets financing excellence. 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