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All Forum Posts by: Brian Valdivia

Brian Valdivia has started 44 posts and replied 87 times.

Post: Refinance portion of brrrr

Brian Valdivia
Posted
  • Investor
  • Kingsville, MD
  • Posts 90
  • Votes 18

Hey Troy!

Great question - start the refi process now while you're working on getting it rented. Getting an appraiser out there in the property is always best while the property is vacant. You can refi it while it's vacant.

Feel free to shoot me a message if you want to discuss further.

Post: HML Beginner friendly

Brian Valdivia
Posted
  • Investor
  • Kingsville, MD
  • Posts 90
  • Votes 18
Quote from @Paige Gardner:

Does anyone have Any HML recommendations I'm a beginner and want to get started right away but want to weigh my options


 Hey Paige!

We are a great fit for beginner investors. Our program only requires a small 10% down payment on the purchase price and we will fund 100% of your rehab costs. This required no experience. We make it easy to get started.

Feel free to reach out with any questions! We have well over 100 Five Star Google reviews.

Post: Seasoning Period (New Construction)

Brian Valdivia
Posted
  • Investor
  • Kingsville, MD
  • Posts 90
  • Votes 18

Hey Jacob!

Great question - the seasoning period typically begins the day that you purchased the land. We can cashout refinance this at 3-6 months from the time you bought the land. 

Feel free to reach out with any questions, happy to help!

Post: Help! Out of State Investing in Ohio

Brian Valdivia
Posted
  • Investor
  • Kingsville, MD
  • Posts 90
  • Votes 18

Hey! We can do this, give us a call!

Post: DSCR loan for STR

Brian Valdivia
Posted
  • Investor
  • Kingsville, MD
  • Posts 90
  • Votes 18

Hey Danny!

We are investors and we do DSCR loans for other investors. We have well over 100 Five Star Google reviews. Reach out with questions or if we can help!

Post: Hey everyone! Has anyone here gone through the application process for DSCR loans?

Brian Valdivia
Posted
  • Investor
  • Kingsville, MD
  • Posts 90
  • Votes 18

Hey Mary!

DSCR loans are fairly simple and efficient overall. They don't require employment verification, income or tax returns. Loans are approved based off of the rental income of the property. You also have the option to close these DSCR loans in your LLC as opposed to your personal name.

Our team finances just shy of 100 DSCR loans on a monthly basis. Feel free to reach out with any questions!

Post: Refinance Transfer from personal to LLC

Brian Valdivia
Posted
  • Investor
  • Kingsville, MD
  • Posts 90
  • Votes 18

Hey Tanuj,

We do this type of loan all of the time. We have well over 100 Five Star Google reviews. Feel free to give me a call, happy to help or talk through it.

Post: Ohio Credit Union Lender

Brian Valdivia
Posted
  • Investor
  • Kingsville, MD
  • Posts 90
  • Votes 18

Hey Christopher!

Credit Unions can be really great for investment property loans. I utilize DSCR investment loans and close in my LLC. I don't need tax returns or proof of income so it makes it really simple.

Our company closes just shy of 100 DSCR loans on a monthly basis. Feel free to call me if you have questions, happy to help!

Post: Need advice- HELOC or Refinance for 2nd investment property

Brian Valdivia
Posted
  • Investor
  • Kingsville, MD
  • Posts 90
  • Votes 18

Hey Jillian!

Great questions - a lot of our borrowers will tap the equity using a refinance in order to purchase their next investment property.

Feel free to give me a shout anytime, happy to help! We have well over 100 Five Star Google reviews.

Post: Question: When Does the Seasoning Period Commence?

Brian Valdivia
Posted
  • Investor
  • Kingsville, MD
  • Posts 90
  • Votes 18

Hey John!

Great question: The seasoning period begins the day it's purchased.

We do just shy of 100 DSCR loans per month. We offer refinances with no tenant required and no seasoning required.