Instagram story viewer> @robertthelender> Posts

Robert Portal | Mortgage Expert

@robertthelender

1.4K

followers

723

following

🏠 | I help home buyers get into their dream home
⭐️ | 50+ online reviews
🗣️ | Hablo español
📍 | Orange County, CA
⬇️ | Work with me

POSTS STORIES REELS TAGGED

Most people think you need a high income to invest in real estate.
That’s not always true.

With DSCR loans, lenders focus on the property’s income — not your W2, not your tax returns.

If the property cash flows, the deal can work.

This is how many investors scale beyond the traditional limits.

OpenUpPodcast.com
Guest: @robertthelender

#RealEstateInvesting
#DSCRLoan
#RealEstateTips
#PassiveIncome
#OpenUpPodcast by @robertthelender

3

63

7 months ago

Had to jump on this bandwagon.

Catchy song for sure. by @robertthelender

13

0

6 hours ago

10 ways to start investing in real estate.

1. House hacking - live in one unit and rent out the others i
2. Buy and hold rentals - purchase properties and rent them out long-term.
3. BRRR Method - buy, rehab, rent, refinance, repeat.
4. REITS - invest in real estate portfolios without owning property.
5. Short term rentals - earn higher income with properties on platforms like Airbnb, VRBO or private listings.
6. Fix and flip - buy undervalued properties, renovate, and sell for a profit.
7. Real estate syndications - pool funds with other investors for larger deals for a return.
8. Wholesaling - find deals and assign the contract to an end buyer.
9. Live-in flip - live in the property while renovating and sell for profit.
10. Crowdfunding platforms - invest small amounts in real estate projects online.

Out of all these, which one would you consider? Let me know if the comments below. by @robertthelender

7

0

3 days ago

Thinking about buying a home? Start planning 12 months ahead.

In EP 05 of Brenda Connects, mortgage broker and real estate investor, Robert Portal, shares why preparing early can make a difference in your homebuying journey.

His advice? Meet with a financial planner 12 months before buying, then connect with a mortgage professional about six months out to explore loan options, assistance programs, and a monthly payment that fits your goals.

The key is to plan early, understand your options, and buy with confidence.

Watch EP 05 of Brenda Connects for more insights from Robert Portal! Comment “EP05” for full episode.

#FirstTimeHomebuyer #HomeBuyingTips #MortgageEducation #LosAngelesRealEstate #BrendaConnects

Brenda Solis-Urive | DRE 01959263
Berkshire Hathaway HomeServices California Properties
Equal Housing Opportunity taken in Southern California by @robertthelender

13

3

3 days ago

Legal tax strategies for small business owners that nobody explains while you’re on a W-2 directly from a CPA.

On a paycheck, taxes come out first. Own a business and the order flips: you earn, spend on the business, then get taxed on what’s left. That’s the tax code working exactly as written.

1. S-corp election: reasonable salary plus distributions, so you stop paying self-employment tax on every dollar.
2. PTET election: your business pays state tax at the entity level, getting around the $40k SALT cap.
3. Augusta rule: rent your home to your business up to 14 days a year for real meetings. Deductible for the business, tax-free to you.
4. Solo 401(k): contribute as employee AND employer. Up to $72k a year vs about $24k at a W-2 job, and it can go Roth.
5. Accountable plan: your business reimburses your home office, phone, and mileage tax-free.
6. Heavy work vehicle: over 6,000 Ibs can be written off way faster than a regular car.
7. QBI deduction: up to 20% off qualified business income, now permanent.
8. Cost segregation: depreciate parts of a rental over 5, 7, and 15 years instead of 27.5.
9. STR loophole: average stay 7 days or less plus material participation, and rental losses can offset active income.
10. Hire your kids: real work, reasonable wage, tax-free to them up to the standard deduction.

None of this works without clean records, a real business purpose, and a good CPA. by @robertthelender

4

0

4 days ago

DM me the word Zoom and I’ll send you the link to our event with Realtor.com CEO Damian Eales.

October 28, 11am PST.

See you then. by @robertthelender

16

0

4 days ago

If you’re looking to buy a home, these are 10 questions to ask.

1. Why is the seller moving? Is there another undisclosed reason? May signal issues with the home.
2. How long has it been listed? This will let you know if there’s room to negotiate?
3. What did it sell for last time? Was it a flip? Or was it a family home?
4. Any insurance claims on the home? If so, what happened and what was the outcome?
5. How old are roof, HVAC, water heater? Big ticket items can be costly so make sure you know how old they are
6. What are actual utility bills? This will let you know how much to allocate each month.
7. Any planned construction nearby? Good to know what projects are coming soon and for how long.
8. What’s included in the sale? Any furniture or specific amenities?
9. HOA rules and fees? You can easily find this online to see if it’s a fit for you
10. Were renovations permitted? Make sure you get the permit or you can deduct it from the purchase price. by @robertthelender

8

0

5 days ago

Nearly 45% of recent home sales came with seller concessions.

Price cuts. Rate buydowns. Closing costs covered. Even repairs.

So why isn’t every buyer getting it?

Because most of them just send an offer and hope.

Ask what the seller actually needs. A faster close? A buyer who won’t fall through?

Then decide what you want most. A lower price, a lower payment, or no big repair bills for years.

There’s one catch. Your loan type limits how much cash a seller can give you.

But repairs the seller finishes before closing don’t count toward that limit.

Sure, prices could keep slipping, and waiting might save you more.

But buyers haven’t had this kind of leverage in six years.

The sticker price is just where the conversation starts. by @robertthelender

7

0

6 days ago

These are the top 10 home maintenance tasks owners forget part 2.

1. Trim trees near roof - at least yearly to prevent roof damage
2. Replace washer hoses - every 5 years to help prevent flooding
3. Clean fridge coils - every 6 months to reduce compressor strain
4. Lubricate garage door - at least once a year to reduce wear
5. Check drainage - at least once a year as it protects your foundation
6. Clean exterior siding - once a year to prevent buildup
7. Clean dishwasher filter - every 3-6 months to prevent clogs
8. Test GFCI outlets - every 6 months to improve electrical safety
9. Check weatherstripping - once a year to reduce energy loss
10. Check under sink for leaks - every 6 months to prevent water damage by @robertthelender

7

0

7 days ago

Dads, check in!

Also, for the dads that need support and don’t know where to begin. by @robertthelender

24

12

7 days ago

8

2

10 days ago

Is your state here? If so, how much do you pay?

Source: Mortgage-Info.com by @robertthelender

8

4

12 days ago