REAZ Seminars

08/22/2026

Could a DSCR loan fit your rental property strategy?

Mona Bottros of REAZ Seminars explains the basics for investors in Norwalk and across Southern California.

DSCR programs may evaluate a property’s rental income in relation to its debt-service coverage—not only the borrower’s personal income.

Eligibility is not automatic. Lenders may also review:
• Reserves
• Credit
• Down payment
• Projected cash flow
• Property and program guidelines

Review the numbers carefully and ask questions before applying. Better education leads to more confident, ethical decisions.

¿Inviertes en propiedades de alquiler en Norwalk o en el sur de California?

Mona Bottros de REAZ Seminars explica los fundamentos de los préstamos DSCR.

Estos programas pueden evaluar los ingresos de alquiler de una propiedad en relación con la cobertura del servicio de la deuda, no solo los ingresos personales del prestatario.

La elegibilidad no es automática. Los prestamistas también pueden revisar las reservas, el crédito, el enganche, el flujo de efectivo proyectado y las pautas del programa y de la propiedad.

Aviso educativo: Los términos, requisitos, tasas y disponibilidad de DSCR varían según el prestamista y el programa. Esta información es únicamente educativa; no constituye asesoría financiera, legal o crediticia ni garantiza la aprobación. Consulte con un profesional hipotecario autorizado.

Aprende más: nas.io/reazseminars

08/22/2026

Préstamos DSCR en 2026: Cómo los Inversionistas Pueden Calificar con el Ingreso por Renta

The most important number in an investment property loan may not be your salary. It may be the relationship between the property’s expected rent and its monthly housing costs. Rony Velasquez, Real Estate and Mortgage Broker, Realtor, and Mortgage Loan Originator, has held a California DRE license since 2004. With more than 22 years of experience, more than three thousand completed transactions, and more than five hundred families helped, he has seen how the wrong income calculation can make a promising investment look stronger than it really is....

The most important number in an investment property loan may not be your salary. It may be the relationship between the property’s expected rent and its monthly housing costs. Rony Velasquez, Real…

08/21/2026

Start every buyer consultation with better questions—not assumptions.

Use this REAZ Scriptbook checklist with buyers in Lakewood and throughout Southern California:

☐ Which cities or neighborhoods are you considering?
☐ What monthly payment feels comfortable?
☐ How many bedrooms do you need?
☐ What down payment range are you planning for?
☐ What is motivating your move?
☐ What is your ideal purchase timeline?

Clear questions lead to clearer expectations and better service.

Important: Financing details, including payment estimates, income, credit, and down payment requirements, must be confirmed with a qualified lender. This checklist does not replace lender pre-approval or financial advice.

Comienza cada consulta con mejores preguntas, no con suposiciones.

Usa esta lista del REAZ Scriptbook con compradores en Lakewood y todo el Sur de California:

☐ ¿Qué ciudades o vecindarios estás considerando?
☐ ¿Qué pago mensual te resulta cómodo?
☐ ¿Cuántas recámaras necesitas?
☐ ¿Qué rango de enganche estás planeando?
☐ ¿Qué te motiva a mudarte?
☐ ¿Cuál es tu plazo ideal para comprar?

Las preguntas claras generan expectativas claras y un mejor servicio.

Importante: Los detalles del financiamiento deben confirmarse con un prestamista calificado. Esta lista no sustituye la preaprobación ni el asesoramiento financiero.

08/21/2026

DSCR Loans in 2026: How Real Estate Investors Qualify Using Rental Income

The income number that helps you qualify for an investment property may not be your salary. Why can one investor with modest taxable income qualify for a rental property while another investor with a strong salary struggles with traditional underwriting? The answer often comes down to how the lender evaluates the property itself. Rony Velasquez, Real Estate and Mortgage Broker, Realtor, and Mortgage Loan Originator, has held his DRE license since 2004....

The income number that helps you qualify for an investment property may not be your salary. Why can one investor with modest taxable income qualify for a rental property while another investor wit…

08/21/2026

“Can you lower your commission? Other agents said they’d do it for less.”

Don’t get defensive. Reframe the conversation.

Try this:

“I understand your concern. Some agents compete by offering a lower fee because they position their services as worth less. My focus is not being the cheapest—it’s helping you avoid costly mistakes, serve you properly, and protect your net proceeds at closing. Let’s compare the full service plan and estimated net proceeds, not just the commission line.”

The goal is not to win a fee argument. The goal is to show the value of the result.

“¿Puede bajar su comisión? Otros agentes dijeron que cobran menos.”

No se ponga a la defensiva. Cambie el enfoque.

Puede responder:

“Entiendo su preocupación. Algunos agentes compiten con una tarifa menor porque presentan sus servicios como de menor valor. Mi enfoque no es ser el más barato; es ayudarle a evitar errores costosos, atenderle correctamente y proteger su ganancia neta al cierre. Comparemos el plan completo de servicio y la ganancia neta estimada, no solamente la comisión.”

Practice this script before your next appointment in Cerritos, Artesia, La Palma, or Lakewood.

Learn more: nas.io/reazseminars

08/21/2026

Navigating today's market? The fundamental real estate process remains seamless. Updates mean more upfront communication, leading to greater transparency, more choice in negotiations, expert service, and zero disruption to closing. Your agent's value is untouched, protecting your interests and guiding you every step of the way.

08/21/2026

Modificación de Préstamo en 2026: Lo que los Propietarios de Buena Park Deben Saber Antes de Dejar de Pagar

Gancho: ¿Dejar de pagar es realmente el primer paso? Muchos propietarios de Buena Park creen que deben dejar de pagar su hipoteca para poder solicitar una modificación de préstamo. La realidad es más cuidadosa: esperar demasiado puede reducir tus opciones, mientras que actuar antes de que el problema crezca puede darte más tiempo para organizar una solución. Rony Velasquez, Real Estate and Mortgage Broker, Realtor y Mortgage Loan Originator…...

Gancho: ¿Dejar de pagar es realmente el primer paso? Muchos propietarios de Buena Park creen que deben dejar de pagar su hipoteca para poder solicitar una modificación de préstamo. La realidad es …

08/20/2026

A final reminder about the written presentation for this video. You can download a copy from the training website to follow along, study, and take notes. The link is on the screen and in the description. If you enjoyed this, please subscribe, like, and share!

08/20/2026

Qualifying past home sellers can receive a portion of settlement funds. To be eligible, you must have listed your home on an MLS, completed the sale between 2014-2024, paid a commission, and used a defendant brokerage. Claims were submitted through the official settlement website with transaction proof.

08/20/2026

The filing deadline has passed. Settlement administrators are now processing claims for payouts distributed via direct deposit or check. Payouts are calculated proportionally based on actual commission amounts, meaning higher value transactions generally result in larger payouts. Over $418 million is being distributed nationwide.