Non-QM Mortgage Specialists • San Francisco Bay Area, CA • NMLS 1763084
Non-QM Mortgages in the San Francisco Bay Area — RSUs, Founders, Self-Employed
Bay Area home prices are among the highest in the world — and the income that earns those prices rarely shows up cleanly on a W-2. Tech RSUs, startup equity, S-corp distributions, and self-employment income are the Bay Area’s real income streams. We know how to underwrite all of it.
$1.3M+
SF median home price
RSU & Equity
income accepted
Up to $35M
loan amounts
35+ Years
in CA
Bay Area Real Estate: Where High Income Meets Complex Documentation
The San Francisco Bay Area is the most expensive metro housing market in the US, with median home prices exceeding $1.3M in San Francisco proper and $1.5M+ in wealthy suburbs like Palo Alto, Los Altos, and Atherton. The challenge for Bay Area borrowers isn’t income — it’s documentation. RSU income fluctuates. Founders take low salaries. Consultants have variable 1099 earnings. And the Bay Area’s enormous self-employed professional class writes off aggressively. Non-QM lending fills the gap. We work with tech executives whose W-2 doesn’t reflect their actual comp package, startup founders whose equity is real but not yet liquid, and self-employed professionals across every Bay Area industry. Bank statement loans, asset depletion for those with significant portfolios, and large Non-QM jumbo programs for transactions in the $3M–$15M range are all available.
Bay Area Borrower Profiles We Serve
- Tech executives and engineers with RSU income at Google, Apple, Meta, Salesforce
- Startup founders and early employees with complex equity structures
- Venture capital and private equity professionals
- Software contractors and independent tech consultants
- Healthcare and biotech executives in South Bay and East Bay
- Self-employed professionals across San Francisco proper
Bay Area Real Estate Investors
- DSCR rental investors in Oakland, Berkeley, and East Bay
- Multi-unit property investors in San Francisco neighborhoods
- Fix-and-flip investors in transitional East Bay neighborhoods
- Commercial investors in SoMa, Mission, and Potrero Hill
- Multifamily investors (5+ units) in San Jose, Oakland, Fremont
- Large loan transactions in Palo Alto, Atherton, Hillsborough
Non-QM Loan Programs Available in San Francisco
All programs available for purchase, refinance, and cash-out in San Francisco and surrounding CA markets.
Bank Statement Loans
Qualify using 12–24 months of bank deposits. The #1 program for self-employed San Francisco borrowers.
DSCR Loans
Property cash flow qualifies you. No personal income required. Scale your San Francisco rental portfolio.
Short-Term Rental Loans
Airbnb and VRBO income accepted. AirDNA projections count for San Francisco-area STR properties.
Fix & Flip Loans
ARV-based bridge financing. Close in 5–14 days on San Francisco-area rehab deals.
Asset Depletion Loans
Convert investment accounts and savings into qualifying income — no job required.
Hard Money & Bridge
7–14 day closings on San Francisco-area deals. Asset-based, minimal documentation.
Ground Up Construction
Spec builder and owner-occupied construction financing for San Francisco and surrounding areas.
P&L Statement Loans
CPA-prepared P&L replaces tax returns. Simplest doc path for San Francisco business owners.
Large Loans to $35M
Portfolio lenders for luxury and large commercial transactions in the San Francisco market.
Multifamily Commercial
5+ unit apartment and mixed-use financing in San Francisco and CA.
Commercial Real Estate
Office, retail, industrial, and special-use commercial loans in San Francisco.
Cannabis-Friendly Loans
State-licensed cannabis business owners approved where banks decline.
Non-QM Mortgage FAQ — San Francisco
Can RSU income be used to qualify for a mortgage?
Yes, but it requires careful structuring. Lenders typically average RSU income over 2 years, require continued employment vesting, and need to see consistency. We work with portfolio lenders who are sophisticated about equity compensation and can credit RSU income appropriately.
What about startup founders who take a low salary?
This is a very common Bay Area situation. A founder paying themselves $150K while the company generates $3M in revenue is well-served by a bank statement loan or P&L loan that documents actual business cash flow rather than personal W-2 income.
Do you originate $5M+ loans in the Bay Area?
Yes. We have access to portfolio lenders who fund Non-QM loans from $3M to $35M in the Bay Area. These transactions use bank statement, asset depletion, or hybrid income documentation and close in 30–45 days.
What Bay Area cities and counties do you cover?
All nine Bay Area counties: San Francisco, Marin, Sonoma, Napa, Solano, Contra Costa, Alameda, Santa Clara, and San Mateo. We originate from Napa wine country to Silicon Valley to the East Bay.
Why Abo Capital for Your San Francisco Mortgage?
- 35+ years originating Non-QM loans in California, Florida, and Texas
- $500M+ funded across all three states for self-employed and investor borrowers
- 15+ loan programs — we find the one that works for your situation
- 50+ lender relationships — we shop the market, you get the best terms
- 24–48 hour pre-approval response on most programs
- 21-day closings on standard Non-QM; 7–14 days on hard money
- Licensed in CA (BRE 01167081), FL (MBR4882), and TX (SML)
- NMLS #1763084 — call us directly: (310) 312-1200
Ready to Get Approved in San Francisco?
Tell us your situation — self-employed, investor, or both — and we’ll find the right program in 24 hours. No commitment required.