Pacific Palisades luxury homes ($2M–$15M+) often require creative financing when DSCR falls short. Pacific Rate specializes in Non-QM solutions for this sophisticated coastal market. DSCR Challenges in Pacific Palisades High property values relative to rental income Elevated property taxes and insurance Buyers with non-W-2 income structures Preference for trust and LLC ownership Non-QM Solutions Bank Statement Programs 12-24 month bank statement qualification Business or personal accounts accepted No tax return requirement Up to 90% financing on primary homes Asset Depletion Liquid assets = qualifying income Brokerage, savings, retirement accounts Weighted haircuts by asset type Ideal for high-net-worth, low-income-on-paper buyers Ideal Borrower Types Business owners and consultants Commissioned sales professionals Investors with substantial portfolios Retirees with significant liquid assets Property Categories Single-family luxury homes Riviera neighborhoods Hillside estates Second homes and investment properties Why Pacific Rate Expert DSCR to Non-QM transitions Local market knowledge Private and portfolio lender access Fast approvals and closings When traditional lending says no, Pacific Rate says let's restructure. Contact us for a private strategy session. 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