🔗Check out all property details & photos here🔗
About ten years ago, we had the privilege of helping Sebastian and Catalina purchase the home where they live today. At the time, they made an important decision that would eventually become part of a much bigger plan: rather than selling the home they had previously lived in, they decided to keep it as a rental property. That gave them their first experience as real estate investors.
Over the years, we stayed in touch and had many conversations about what their next move might look like. Should they eventually move into a larger home? Should they purchase another investment property? There was never any pressure to make a decision before the timing was right. Instead, we continued discussing their options and what they could do to prepare.
Eventually, Sebastian and Catalina decided that their next move would be to expand their real estate investment portfolio.
Finding the Right Kind of Investment
Because they already had experience owning a rental property, Sebastian and Catalina had a good idea of what they wanted. Rather than simply looking for the least expensive property available, we focused on finding something similar to the type of home they had successfully rented before—a property that could be practical for tenants and straightforward for them to manage as landlords.
They also had an advantage going into the process: we had already worked together before. They knew how we approach a purchase, how carefully we evaluate the options, and how we negotiate and represent our clients throughout the transaction. We knew their goals and could focus the search around what made sense for their investment strategy.
Still, we weren’t going to buy something just for the sake of buying. We kept looking until the right opportunity came along. And eventually, it did.
A Move-In-Ready Opportunity—and Room to Negotiate
The property we found was a move-in-ready townhome in Germantown that fit what Sebastian and Catalina had been looking for. Even better, the home had already spent some time on the market. That created an opportunity.
Instead of focusing only on the asking price, we looked at the circumstances surrounding the listing and put together an offer designed to give Sebastian and Catalina a strong purchase while still making sense to the seller.
The result?
They purchased the property for $32,000 below the original asking price.
For Sebastian and Catalina, it was an exciting next step: another investment property, acquired after years of planning and preparation.
Using a DSCR Loan to Finance the Investment
Because this was an investment property, Sebastian and Catalina used a DSCR loan (Debt Service Coverage Ratio loan).
Unlike a traditional mortgage that generally focuses heavily on the borrower’s personal income when qualifying, a DSCR loan evaluates whether the property’s expected rental income is sufficient to support its required debt payments, subject to the lender’s specific underwriting requirements.
That financing structure fit well with what Sebastian and Catalina were trying to accomplish and helped them move forward with their investment strategy.
But financing was only one piece of the puzzle. Getting to this point required planning, patience, financial discipline, and preparation.
Throughout the process, Sebastian and Catalina listened to our guidance, asked questions, prepared themselves carefully, and waited for an opportunity that made sense rather than rushing into a purchase simply because something was available. That preparation paid off. Congratulations, Sebastian & Catalina! 🎉🏡
We couldn’t be happier for Sebastian and Catalina as they begin this new chapter of their real estate journey.
From helping them purchase their family home about a decade ago, to watching them maintain their previous property as an investment, to now helping them intentionally expand their real estate portfolio, it has been incredibly rewarding to be part of the journey. Congratulations, Sebastian and Catalina, on your investment property!
Your patience, discipline, and willingness to prepare put you in a position to take advantage of the right opportunity when it arrived. Thank you for continuing to trust us, for following our guidance throughout the process, and most importantly, for allowing us to be part of your journey once again. We are very grateful for your trust and look forward to seeing where this journey takes you next.
🔗Check out all property details & photos here🔗
Thinking About A Similar Opportunity?
If you’re wondering whether opportunities like this still exist in Frederick County — they do.
The key is preparation, strategy, timing, and understanding how to properly position yourself before the right opportunity hits the market.
And if you’d like to discuss your options or create a plan for buying a home in Maryland, we’d be happy to help guide you step by step.
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