La Jolla Living— Financed By Your Portfolio
You've built wealth through smart investing, biotech success, or decades of disciplined saving. Now you want the San Diego lifestyle—La Jolla's shores, Del Mar's racing season, Rancho Santa Fe's estates. Your assets make it possible.
Military Hub = VA Advantage
San Diego is home to 100,000+ active military and veterans. VA loans have no limit and no PMI—the ultimate benefit for those who served.
Joe Shalaby
Founder & Senior Loan Officer
NMLS #139369
"San Diego has a unique mix—biotech executives, Navy admirals, retired investors, tech entrepreneurs from the Sorrento Valley. Many have complex income situations but substantial assets. Asset depletion and VA loans are perfect for this market."
Why San Diego Buyers Choose Asset Depletion
Biotech & Pharma Executives
Illumina, Qualcomm, biotech startups—San Diego's innovation economy creates wealth through stock grants and options. Your equity is your income.
Military & Veterans
Naval Base San Diego, Camp Pendleton, Miramar—San Diego is America's military city. VA loans with no limit and no PMI honor your service.
Lifestyle Relocators
Escaping Bay Area prices or Midwest winters? Your portfolio from years of saving qualifies you for the San Diego lifestyle you've dreamed of.
Asset-Based Qualification
- Loan amounts up to $10M+
- No tax returns required
- No employment verification
- Interest-only options available
- Primary, second home, or investment
VA No Loan Limit
- No loan limit with full entitlement
- $0 down payment on any amount
- No PMI ever
- Combine with asset income
- Manual underwriting available
Recent San Diego Closings
Retired biotech CEO. $18M in investments, no current income. Denied by Morgan Stanley Private Bank. Closed in 28 days.
Retired Navy Captain, now defense contractor. $0 down, no PMI on ocean-view La Jolla home. Closed in 26 days.
Early retiree from Bay Area tech. $5M portfolio, no W-2. Qualified using asset depletion. Closed in 24 days.