Jumbo and Self-Employed Financing for California's Coastal Markets

Harbor, Corona del Mar, and Balboa condos. Jumbo as a default, deposits instead of a W-2.

Gated ridges, HOA dues, and reserves that have to match the view lot.

Thin inventory, hillside comps, insurance that belongs in the quote.

Published $750K P&L second and $3.5M cash-out. Equity without blowing up the first loan.

South OC primaries and second homes. Same jumbo and bank-statement stack.

Published $8M Orchard Hills purchase: 1031 plus bank statements. HOA and Mello-Roos in the payment.

Westside condos and asset-based qualification when the 1040 is the wrong page.

Published $2M P&L cash-out and $7.7M refinance. Fire insurance is not optional homework.

Statewide license, local appraisal. Occupancy has to be true on a second home.

Estate lots, guest houses, and assets or a P&L instead of a tax-return underwrite.

Peninsula vs inland. Confirm the county jumbo limit before you assume Orange County rules.

Village lots and Carmel Valley acreage are not the same appraisal. Second homes are common.

Coast plus commute. Hillside insurance and bank statements for founders who kept the company inland.

Thin comps, wells, and investors who may not buy the cabin. Jackie will say so before you pay for an appraisal.