Join us on ⁠⁠<a href="https://seviproperties.com/podcast/" target="_blank" rel="ugc noopener noreferrer">⁠⁠⁠⁠⁠The DMV Business Show⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>⁠ with ⁠<a href="https://seviproperties.com/agents/otto-sevilla/" target="_blank" rel="ugc noopener noreferrer">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Otto Sevilla⁠⁠⁠⁠⁠</a> as we feature <a href="https://beltwaylending.com/team/brian-valdivia/" target="_blank" rel="ugc noopener noreferrer">Brian Valdivia</a>, CEO of <a href="https://beltwaylending.com/" target="_blank" rel="ugc noopener noreferrer">Beltway Lending</a>, to share his personal and professional journey in the real estate industry. As a full-time real estate investor, Brian has accumulated over 200 rentals in under four years, demonstrating his expertise and success in the field. He joined forces with his partner to establish Beltway Lending, a company that caters to investors seeking to fix and flip or keep rental properties.Brian&#39;s real estate journey began when he purchased a property in Southwest Baltimore for $20,000 in 2019 and sold it in 2020. He then worked as a financial analyst for Northrop Grumman but left to pursue a career as a hard money lender. Brian credits the owner of a local lender, as a mentor who played a crucial role in his success. Brian&#39;s first property was a single-family home in a rough part of Baltimore, which he bought with seller financing. Although he did not make a profit from the property, he sold it for a significant amount of money, which he used to fund a hard money loan. This experience laid the foundation for his future investments, including a rental property he purchased in May 2021.DSCR (debt service coverage ratio) loans are a type of investment property loan that allows borrowers to use rental income to qualify for a loan. Beltway Lending specializes in DSCR loans, offering a 30-year fixed-rate loan that is underwritten based on the property&#39;s income versus the borrower&#39;s debt-to-income (DTI) ratio. To be approved, the property must produce a positive cash flow. DSCR loans are beneficial for self-employed individuals or those with poor credit who may not qualify for traditional bank financing. However, DSCR loans require an appraisal, and the appraisal form must consider the property&#39;s condition and market rent.When evaluating a DSCR loan, it is essential to consider the overall picture, including the property&#39;s cash flow and the potential risks and benefits of the loan. Investors must carefully assess the property&#39;s ability to generate positive cash flow and determine whether the loan is suitable for their investment goals. By understanding the requirements and benefits of DSCR loans, investors can make informed decisions and achieve success in the real estate industry.Brian Valdivia and Beltway Lending are a testament to the potential for success in the real estate industry. By sharing his personal and professional journey, Brian highlights the importance of mentorship, hard work, and strategic planning in achieving his financial goals. Beltway Lending&#39;s DSCR loan product offers a unique opportunity for investors to access capital and grow their portfolios. By understanding the key requirements and benefits of DSCR loans, investors can make informed decisions and achieve success in the real estate industry.This episode is brought to you by: <a href="https://seviproperties.com/" target="_blank" rel="ugc noopener noreferrer">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SEVI⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a> - The first commercial real estate company committed to the four C’s: Commercial Real Estate, Community, Content, and Culture<a href="https://seviproperties.com/" target="_blank" rel="ugc noopener noreferrer">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://seviproperties.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>LET&#39;S CONNECT!LinkedIn:  <a href="https://www.youtube.com/redirect?q=http%3A%2F%2Fwww.linkedin.com%2Fin%2Fottosevilla&redir_token=QUFFLUhqbVdBeU51V3R4UHB3WmNwcmFna2prcHd5TW1tUXxBQ3Jtc0trSmZlNk9UeWZWYWVMaTRSX0FWQXFibVlSTGpxLWdXOVNvQjhVX2t2Q0FFWFdGY204U19rZXNMRjh5N1NvamZ3aXFLN004ZjI5N1dJNko5SlVlZGFWZG0yYWFoc1lCYm1iNS1KOTVJc2dCQ2pzUnVGUQ%3D%3D&event=video_description&v=vsRr0XZjD34" target="_blank" rel="ugc noopener noreferrer">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://www.linkedin.com/in/ottosevilla⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>Instagram:  <a href="https://www.youtube.com/redirect?q=http%3A%2F%2Fwww.instagram.com%2Ftheottosevilla&redir_token=QUFFLUhqbVRYSTF2SC1XZW5qTG1ISTAzZHJCWXY2amtsQXxBQ3Jtc0treDQ0Q2gxRTFLZzh0QzlSTFlFRXdfVzFkcWJiS0FqOENBY24xTnZqVklDX1JRMGVUdzdKQmZhWk04N2h0X0RkbW4tNXAxUjZJQWk3SkxkV0kwRlJSdUU1ZzVMREpLdkhmdzNYYmhfR1JCTEtGT183NA%3D%3D&event=video_description&v=vsRr0XZjD34" target="_blank" rel="ugc noopener noreferrer">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://www.instagram.com/theottosevilla⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>Facebook:  <a href="https://www.youtube.com/redirect?q=http%3A%2F%2Fwww.facebook.com%2FTheOttoSevilla&redir_token=QUFFLUhqbkhReVdLdEFyelRjNkcwV01ET1N4Q2xKamZBd3xBQ3Jtc0tueUZhSFdqblV0b3JkWkp6NXJwMmgtVG5aY0MwMWxES0VjVEYwZTYxWldmcUNCclJHaHYyNVFiWHNFeDNrSjFOMVFUMUY4VXNfbG1sVXVCRlItamg2RDIyeWhvdkFyeFRLRFVHaDhQYWYzQXNkaVpqVQ%3D%3D&event=video_description&v=vsRr0XZjD34" target="_blank" rel="ugc noopener noreferrer">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://www.facebook.com/TheOttoSevilla⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>YouTube:  <a href="https://youtube.com/channel/UCp3fOa-IgbYwiQfgkB3SbaQ" target="_blank" rel="ugc noopener noreferrer">⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/@OttoSevilla⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</a>Email Me!  osevilla@ottosevilla.comText Me!  240-706-7584

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186 - Unlock the Power of DSCR Loans with Brian Valdivia of Beltway Lending

The DMV (Washington, DC | Maryland | Virginia) Business Show

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