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How Self-Employed Buyers Can Qualify for Luxury Mortgages in Southern California
Buying a luxury home in Southern California as a self-employed individual can feel like navigating a maze. The traditional mortgage application process relies on tax returns and W-2s, documents that don’t always reflect your true income when you're a business owner,...
Can I Use My Profit & Loss Statement Instead of a W-2?
If you're self-employed or run your own business, you’ve probably wondered whether your profit and loss (P&L) statement can be used in place of a W-2 when applying for a mortgage. We know that for some business owners, this is a better representation of their...
Why Financing a Luxury Home Might Be Smarter Than Paying Cash, Even If You Can Afford It
When high-net-worth individuals look to purchase a luxury home in Southern California, many assume the smartest option is to pay in cash. After all, if you have the liquidity, why take on debt? Choosing the best option is nuanced. As mortgage professionals with many...
DSCR: What They Are, and Why High-Net Worth Investors Use Them
When our high-net-worth clients invest in Southern California income properties, they often prioritize strategic financing that preserves liquidity, offers tax efficiency, and scales with their long-term wealth goals. One powerful but underutilized tool is the DSCR...
Luxury Mortgage Pre-Approval in Southern California: How It Works for Million-Dollar Properties
Thinking about buying a luxury home in Southern California? Before you book a showing for that $3M ocean-view villa in Santa Monica, you’ll want to get a pre-approval for a luxury mortgage. The process is similar to a standard loan, but when you’re dealing with a...