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A Real Estate Journey More Than 10 Years in the Making
More than a decade ago, we had the privilege of helping Catalina and Sebastián purchase the home where they wanted to live and build the next chapter of their lives. At the time, instead of selling the property they had previously called home, they made the decision to keep it as an investment property.
That decision planted the seed for something much bigger.
Over the years, we continued talking about their future real estate goals. Would their next move be purchasing a larger primary residence? Would they add another investment property? There was never a need to rush. The goal was to stay prepared, evaluate the opportunities as they came, and make the move that made the most sense for them when the timing was right. Eventually, they decided that their next chapter would be about growing their real estate investment portfolio.
From Planning to Two New Investment Properties
Earlier this year, all that preparation started paying off. We helped Catalina and Sebastián purchase another investment townhome, adding to the rental property they already owned. It was an exciting milestone—but their plans didn’t stop there. Approximately two months later, we were back at the settlement table for another investment purchase, this time through Palacios Homes 2 LLC.
And this property presented a very different opportunity.
A Beautifully Remodeled Property That Had Been Overlooked. The townhome had originally been offered for $375,000 and had been extensively remodeled from top to bottom. It was an attractive, move-in-ready property with many of the characteristics Catalina and Sebastián were looking for in another investment. However, despite the improvements, the original pricing appeared to have limited buyer interest, and the property remained available long enough for the asking price to eventually be reduced to $345,000.
That’s when we saw an opportunity.
Rather than simply accepting the reduced asking price, we evaluated the situation and decided to make one more push. We negotiated an additional $5,000 reduction, ultimately securing the property for $340,000.
That meant Catalina and Sebastián purchased a remodeled, move-in-ready investment property for $35,000 below its original $375,000 asking price.
Using a DSCR Loan to Finance the Investment
For this purchase, Catalina and Sebastián again used a DSCR (Debt Service Coverage Ratio) loan, a financing option commonly used for investment properties. Rather than qualifying primarily based on the borrower’s personal income, DSCR financing focuses heavily on the property’s expected rental income and whether it can adequately support the property’s debt obligations. Loan requirements, down payments, rates, reserves, and qualification standards vary by lender and property.
Congratulations, Catalina and Sebastián! 🎉🏡🔑
We are extremely happy for everything you have accomplished through your preparation, patience, and discipline. Thank you once again for trusting us, following our guidance throughout the process, and allowing us to continue being part of your real estate journey. We look forward to seeing where that journey takes you next!
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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