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Non-QM Jumbo Loans in Malibu: Financing Luxury Beachfront Properties
December 25th, 2025 2:23 PM

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


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Posted by Tony Kiani on December 25th, 2025 2:23 PMPost a Comment

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