Laguna Beach's artistic coastal enclave features luxury properties ($1.5M–$15M+) that often require Non-QM financing when DSCR calculations fall short. Why DSCR Fails Here Coastal property premiums Art district and hillside location factors Seasonal rental market dynamics Creative professionals with non-traditional income Non-QM Solutions 1. Bank Statement Programs Qualify using actual deposits 12 or 24-month options No tax returns required Business or personal accounts 2. Asset Depletion Liquid assets = income Investment accounts qualified Retirement assets considered No employment verification Target Borrowers Artists and gallery owners Business owners and consultants Retired executives Real estate investors Property Categories Oceanfront estates Hillside luxury homes Art district properties Second homes and vacation rentals Pacific Rate Advantage Laguna Beach market knowledge Non-QM expertise Fast approvals Multiple lender options Don't let DSCR limitations stop your Laguna Beach purchase. Pacific Rate structures the solution. 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