Luxury real estate in Beverly Hills doesn't always conform to traditional DSCR lending models. High purchase prices, premium property taxes, and market rents often result in DSCR ratios below lender minimums — even for extremely qualified buyers. At Pacific Rate, we specialize in approving loans when DSCR fails by restructuring transactions using Non-QM Bank Statement and Asset Depletion programs. Why DSCR Often Fails in Beverly Hills High purchase prices relative to rent ($2M–$20M+ transactions) Elevated property taxes and insurance Borrowers with sophisticated income structures Trust or LLC ownership A DSCR decline is not a borrower decline — it's a structural mismatch. Our Beverly Hills Non-QM Solutions 1. Bank Statement Non-QM Loans Qualify using 12–24 months of actual deposits instead of tax returns. Ideal for: • Business owners • Entrepreneurs • Commissioned professionals 2. Asset Depletion (Asset-Based Income) Convert liquid assets into qualifying monthly income. Eligible assets may include: • Cash & savings • Brokerage accounts • Retirement assets • Trust assets Perfect for high-net-worth buyers who don't rely on W-2 income. Property Types We Finance • Luxury single-family residences • Condominiums • Second homes • Investment properties • Trust-held or LLC-vested properties Why Beverly Hills Agents Choose Pacific Rate We salvage deals when banks say no We understand luxury market dynamics We speak the language of assets, leverage, and strategy We keep transactions moving without unnecessary retrades Our Approach 1. Evaluate DSCR viability 2. Identify the constraint (rent vs leverage) 3. Pivot to Bank Statement or Asset Depletion 4. Structure the loan around the borrower — not a rigid formula 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