Real Estate – Sree Mortgage

Why it matters

Most deals break in the gap between two people.

The agent writes the offer. The lender funds it. If those two have never spoken, the seams show up exactly when they cost the most.

An offer written without regard to the financing — a closing date the loan cannot meet, a seller credit structured in a way the lender will not allow, an appraisal contingency waived on a property that will not appraise. All of it is preventable, and all of it is common.

When one person holds both licenses, the offer is written knowing what the loan can do, and the loan is built around the offer you actually need to win. Fewer handoffs. Nothing lost between two inboxes.

Prefer to keep your own agent? Perfectly fine — Sree works alongside outside agents constantly. This is an option, not a requirement.

Licensed in seven states

Relocations, out-of-state investments, and buy-here-sell-there transactions stay with one person.

OHOhio
TXTexas
FLFlorida
NCNorth Carolina
ILIllinois
CACalifornia
GAGeorgia

Mortgage licensing overlaps in five

California, Texas, Florida, North Carolina and Ohio — where both halves can be handled end to end.

Services

What that looks like in practice.

Buyer representation

Search, tours, offer strategy and negotiation — with the pre-approval already in hand and structured to strengthen the offer. In competitive markets the financing terms often matter more to a seller than the price.

Listing & selling

Pricing from comparables rather than optimism, preparation that returns more than it costs, and screening buyer financing before you accept — a weak pre-approval on the other side is the most avoidable way a deal dies.

Investment analysis

Cash-on-cash, DSCR, reserve requirements, realistic vacancy and maintenance, and the exit math. Run before you write the offer, not after the first tenant turnover surprises you.

Portfolio growth

Scaling past the point where conventional DTI limits stop you: DSCR loans, portfolio lenders, cash-out to fund the next acquisition, and sequencing purchases so financing stays available for the one after this.

Relocation

Moving between states is two transactions with one calendar. Seven state licenses means the timeline, the bridge financing question and the sell-first-or-buy-first decision stay with one person who sees both sides.

First investment property

The jump from homeowner to landlord has a learning curve that is mostly financial. What lenders count as rental income, how reserves work, and why the first door is harder to finance than the third.

Investor to investor

Sree owns rental property personally.

Which is a different qualification than a license. The conversation about a deal starts from having made the same decisions with the same money at risk.

Honest talk about what a property actually cash flows after everything, not the pro forma.
Which financing structures preserve your ability to buy again in twelve months.
When a deal is not worth doing — said out loud, even though nobody gets paid for that.

Price an investment loan Run the numbers

DSCR at a glance

Qualify the property on its rent, not your tax returns.

No personal DTI calculation
No limit on number of financed properties at many lenders
LLC vesting typically permitted
Short-term rental income accepted by some lenders
Faster documentation than a full-doc file

Terms, minimum DSCR ratios and reserve requirements vary by lender and property type. Subject to underwriting approval.

The other half

Buying or selling too? The commission works in your favour.

Sree is a licensed real estate agent in seven states as well as a loan officer in five. When both sides sit with one person, the offer is written around financing that will clear — and the commission is structured to leave more with you.

Selling — 1% listing commission

Instead of the 3% most brokerages charge, with photography, pricing, marketing and negotiation all included. On a $500,000 sale that keeps roughly $10,000 with you.

Buying — 1% flat, you keep the rest

A flat 1% buyer-side fee — 0.5% on new construction. Whatever the seller or builder offers above that is credited back to you at closing. On a $500,000 resale where 3% is offered, that is around $10,000 returned — and because the fee is fixed, your credit moves with whatever is actually offered.

Dollar examples assume the seller or builder offers 3% to the buyer’s agent, which is common but is set by the seller on each individual listing and is not guaranteed. The fee charged stays the same whatever is offered, so the amount credited back moves with it and the actual figure is confirmed before you commit to anything. Commission is negotiable and is not set by law or by any brokerage. Fees are agreed in writing before any work begins. The credit is subject to lender approval, appears on the closing statement, and is available where state law permits.

Real estate services sreebasireddy.com

Ready when you are

Financing and the transaction, one point of contact.

Start with the numbers. See live rates and a full cost breakdown, then decide whether you want the real estate side handled too.

See My Rates See live rates first What do I need?

No fee · No obligation · Pre-approval typically under an hour · Call or text 24/7 · NMLS 2705737

The loan and the transaction, handled by the same person.