Non-QM Mortgage Specialists • San Diego, CA • NMLS 1763084
Non-QM Mortgage Loans in San Diego — Approve What Banks Decline
San Diego’s economy runs on biotech, defense, tech, and tourism — industries full of self-employed contractors, 1099 workers, and business owners who don’t fit the W-2 mold. Plus one of the strongest Airbnb markets in California. We have a program for every San Diego borrower.
$900K+
SD median home price
Strong STR
coastal Airbnb market
35+ Years
in CA
12 Programs
Non-QM options
San Diego Real Estate and Non-QM Mortgage Demand
San Diego consistently ranks among the most expensive housing markets in the US, with median home prices above $900K and coastal neighborhoods like La Jolla, Del Mar, Coronado, and Pacific Beach well above $1.5M. The local economy — anchored by biotech, the US military, and a rapidly growing tech sector — produces a workforce with complex income profiles that standard banks struggle to underwrite. San Diego is also one of California’s premier short-term rental markets. Properties near the beaches, Balboa Park, the Gaslamp Quarter, and the waterfront generate strong Airbnb and VRBO income that qualifies under our STR loan programs. Defense contractors, biotech executives, and self-employed professionals throughout the county regularly turn to Non-QM lending when conventional programs fall short.
Who We Serve in San Diego
- Biotech and pharmaceutical executives and researchers
- Defense industry contractors and engineers (Northrop, General Atomics, SAIC)
- Tech workers at Qualcomm, ServiceNow, and the growing tech sector
- Self-employed professionals: consultants, therapists, healthcare
- Restaurant and hospitality owners in the Gaslamp and North County
- Military veterans and active duty with non-traditional income
San Diego Real Estate Investors
- DSCR rental investors in Mission Valley, North Park, and National City
- Airbnb hosts near Pacific Beach, Mission Beach, La Jolla, and Coronado
- Fix-and-flip investors in City Heights, Logan Heights, and North County
- Vacation rental property buyers in Carlsbad, Encinitas, and Del Mar
- Multifamily investors in older neighborhoods transitioning to market rate
- Commercial real estate investors in the I-15 corridor and Mission Valley
Non-QM Loan Programs Available in San Diego
All programs available for purchase, refinance, and cash-out in San Diego and surrounding CA markets.
Bank Statement Loans
Qualify using 12–24 months of bank deposits. The #1 program for self-employed San Diego borrowers.
DSCR Loans
Property cash flow qualifies you. No personal income required. Scale your San Diego rental portfolio.
Short-Term Rental Loans
Airbnb and VRBO income accepted. AirDNA projections count for San Diego-area STR properties.
Fix & Flip Loans
ARV-based bridge financing. Close in 5–14 days on San Diego-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 Diego-area deals. Asset-based, minimal documentation.
Ground Up Construction
Spec builder and owner-occupied construction financing for San Diego and surrounding areas.
P&L Statement Loans
CPA-prepared P&L replaces tax returns. Simplest doc path for San Diego business owners.
Large Loans to $35M
Portfolio lenders for luxury and large commercial transactions in the San Diego market.
Commercial Real Estate
Office, retail, industrial, and special-use commercial loans in San Diego.
Cannabis-Friendly Loans
State-licensed cannabis business owners approved where banks decline.
Non-QM Mortgage FAQ — San Diego
Do you offer Airbnb loans for San Diego coastal properties?
Yes. Pacific Beach, Mission Beach, La Jolla, Ocean Beach, and Coronado are all active STR markets we finance. We use AirDNA data or existing booking history to qualify on STR income.
Can military or defense contractors get bank statement loans?
Absolutely. Defense contractors and government consultants with 1099 income are ideal bank statement loan candidates. We calculate income from deposits rather than tax returns, which often shows significantly higher qualifying income.
What about biotech executives with stock options or RSUs?
Stock-based compensation can complicate conventional qualification. We work with lenders who understand equity compensation and can document income from vesting schedules, sale proceeds, and bank deposit patterns.
What San Diego neighborhoods and zip codes do you cover?
All of them — from Downtown and the coastal communities (La Jolla, Pacific Beach, OB, Coronado) to inland suburbs (Santee, El Cajon, Chula Vista, Escondido, San Marcos) and North County (Carlsbad, Encinitas, Oceanside, Vista).
Why Abo Capital for Your San Diego 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 Diego?
Tell us your situation — self-employed, investor, or both — and we’ll find the right program in 24 hours. No commitment required.