Non-QM Jumbo Loans in Malibu: Financing Luxury Beachfront Properties Malibu's coastal estates ($4M-$30M+) require specialized financing solutions. When DSCR underwriting can't accommodate beachfront premiums, Non-QM programs bridge the gap. Why Malibu Properties Need Non-QM Malibu's unique market conditions make traditional DSCR impossible: • Beach premiums add 40-60% to property values • Seasonal rental markets create underwriting challenges • Limited rental comps for oceanfront estates • High insurance and maintenance costs Malibu Non-QM Loan Programs Bank Statement Qualification Perfect for Malibu's entrepreneurial community: • Tech founders and executives • Creative industry professionals • Business owners with strong cash flow • International buyers with U.S. banking Asset Depletion for Retirees Popular with Malibu's retirement community: • Portfolio-based qualification • No employment documentation • Ideal for early retirees • Passive income supplementation Malibu Loan Specifications • Typical Loan Range: $2M - $15M • Minimum Down: 25% • Credit Score: 680+ (720+ for best pricing) • Closing Time: 30-40 days average • Property Types: Single-family, condos, land Recent Malibu Closings $7.8M beachfront purchase - Asset depletion using retirement accounts. Closed without income verification. $5.2M Point Dume estate - Bank statement loan for tech entrepreneur. 28-day close. Connect with Malibu's Non-QM Expert Direct: (818) 880-1466 24/7: (630) 332-9115 Email: kiani105@yahoo.com Pacific Rate - NMLS #329956 | Serving Malibu Since 2004 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