Big tech is transforming every aspect of our world. But how, and at what cost? This season of Land of the Giants – The Disney Dilemma – focuses on Disney’s ability to weather the ups and downs of the business cycle and changing tastes and explores what has kept it successful for over 100 years. The entertainment giant has leveraged nostalgia and its intellectual property to build a beloved brand, but after an acquisition spree that included Marvel, Lucasfilm, and 20th Century Fox, can it sus ...
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continue reading
Content provided by Otto Sevilla. All podcast content including episodes, graphics, and podcast descriptions are uploaded and provided directly by Otto Sevilla or their podcast platform partner. If you believe someone is using your copyrighted work without your permission, you can follow the process outlined here https://staging.podcastplayer.com/legal.
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186 - Unlock the Power of DSCR Loans with Brian Valdivia of Beltway Lending
Manage episode 482437226 series 2930063
Content provided by Otto Sevilla. All podcast content including episodes, graphics, and podcast descriptions are uploaded and provided directly by Otto Sevilla or their podcast platform partner. If you believe someone is using your copyrighted work without your permission, you can follow the process outlined here https://staging.podcastplayer.com/legal.
Join us on The DMV Business Show with Otto Sevilla as we feature Brian Valdivia, CEO of Beltway Lending, 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'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'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's income versus the borrower'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's condition and market rent.
When evaluating a DSCR loan, it is essential to consider the overall picture, including the property's cash flow and the potential risks and benefits of the loan. Investors must carefully assess the property'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'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: SEVI - The first commercial real estate company committed to the four C’s: Commercial Real Estate, Community, Content, and Culture
https://seviproperties.com/
LET'S CONNECT!
LinkedIn: http://www.linkedin.com/in/ottosevilla
Instagram: http://www.instagram.com/theottosevilla
Facebook: http://www.facebook.com/TheOttoSevilla
YouTube: https://www.youtube.com/@OttoSevilla
Email Me! [email protected]
Text Me! 240-706-7584
227 episodes
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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Manage episode 482437226 series 2930063
Content provided by Otto Sevilla. All podcast content including episodes, graphics, and podcast descriptions are uploaded and provided directly by Otto Sevilla or their podcast platform partner. If you believe someone is using your copyrighted work without your permission, you can follow the process outlined here https://staging.podcastplayer.com/legal.
Join us on The DMV Business Show with Otto Sevilla as we feature Brian Valdivia, CEO of Beltway Lending, 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'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'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's income versus the borrower'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's condition and market rent.
When evaluating a DSCR loan, it is essential to consider the overall picture, including the property's cash flow and the potential risks and benefits of the loan. Investors must carefully assess the property'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'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: SEVI - The first commercial real estate company committed to the four C’s: Commercial Real Estate, Community, Content, and Culture
https://seviproperties.com/
LET'S CONNECT!
LinkedIn: http://www.linkedin.com/in/ottosevilla
Instagram: http://www.instagram.com/theottosevilla
Facebook: http://www.facebook.com/TheOttoSevilla
YouTube: https://www.youtube.com/@OttoSevilla
Email Me! [email protected]
Text Me! 240-706-7584
227 episodes
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Similar to The DMV (Washington, DC | Maryland | Virginia) Business Show
Big tech is transforming every aspect of our world. But how, and at what cost? This season of Land of the Giants – The Disney Dilemma – focuses on Disney’s ability to weather the ups and downs of the business cycle and changing tastes and explores what has kept it successful for over 100 years. The entertainment giant has leveraged nostalgia and its intellectual property to build a beloved brand, but after an acquisition spree that included Marvel, Lucasfilm, and 20th Century Fox, can it sus ...
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continue reading
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continue reading
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continue reading
It didn’t all change in March 2020. Not really. The UK high street has been in the throes of a gradual revolution for decades. From the rise of ecommerce, to the birth of mobile, social commerce, and a growing emphasis on experience, change has been underway for a while. In fact for many, the pandemic has acted as a wake-up call. Digital transformation was no longer a ‘nice to have’ but a matter of survival. Necessity sparked innovation and customers are enjoying more flexibility and conveni ...
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Call them changemakers. Call them rule breakers. We call them Redefiners. And in this provocative podcast, we explore how daring leaders from across industries and around the globe are redefining their organizations—and themselves—to create extraordinary impact in today’s rapidly changing world. In each episode, Russell Reynolds Associates Leadership Advisor Hoda Tahoun and former CEO Clarke Murphy host engaging, purposeful conversations with leaders in and out of the business world who shar ...
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continue reading
Wharton faculty and industry leaders discuss their latest research, books, and relevant business topics. Hosted on Acast. See acast.com/privacy for more information.
…
continue reading
Some Goodness is hosted by Richard Ellis, a seasoned sales leader passionate about inviting top business minds to share their wisdom. Each episode is only 15-20 minutes, perfect for your commute or workout.
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continue reading
The Partnership Economy explores the power of partnerships through candid conversations and stories with industry leaders. Our hosts, David A. Yovanno, CEO and Todd Crawford, Co-founder, of impact.com, unpack the future of partnerships as a lever for scale and an opportunity to put the consumer first.
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The fun email marketing podcast. Sell more of your online courses, grow your membership and bring in more coaching clients with email marketing that doesn't stink. Sound good? Then join your fellow Email Marketing Heroes for your weekly dose of fun, practical, yet brutally honest email marketing advice. You can listen in to a piping hot, fresh episode every 'Email Marketing Wednesday' or if you prefer learning with your eyes instead of your ears, we turn each episode into a full written blog ...
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continue reading
In each episode of "Goldman Sachs Exchanges," people from the firm share their insights on developments shaping industries, markets and the global economy.
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continue reading
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