Today’s Florida Home Solutions

Today’s Florida Home Solutions The Nadeau Team helps Central Florida buyers and sellers navigate real estate and mortgage with confidence.

Trusted Florida homeownership resource with real estate insights, mortgage education, housing market updates, home tips, senior living resources, and community news to help you make confident decisions at every stage of life. Licensed Realtors and NEXA Mortgage Loan Originators offering expert service and local insight.

𝗔𝗿𝗲 𝗯𝘂𝗶𝗹𝗱𝗲𝗿 𝗶𝗻𝗰𝗲𝗻𝘁𝗶𝘃𝗲𝘀 𝗮𝗰𝘁𝘂𝗮𝗹𝗹𝘆 𝗮 𝗴𝗼𝗼𝗱 𝗱𝗲𝗮𝗹? 🏡With builders offering incentives to attract buyers, that “special offer” ...
08/30/2026

𝗔𝗿𝗲 𝗯𝘂𝗶𝗹𝗱𝗲𝗿 𝗶𝗻𝗰𝗲𝗻𝘁𝗶𝘃𝗲𝘀 𝗮𝗰𝘁𝘂𝗮𝗹𝗹𝘆 𝗮 𝗴𝗼𝗼𝗱 𝗱𝗲𝗮𝗹? 🏡

With builders offering incentives to attract buyers, that “special offer” can definitely get your attention.

But before buying a new construction home, compare these 𝟱 𝘁𝗵𝗶𝗻𝗴𝘀:

1️⃣ 𝗧𝗵𝗲 𝗮𝗰𝘁𝘂𝗮𝗹 𝗵𝗼𝗺𝗲 𝗽𝗿𝗶𝗰𝗲
Is the incentive attached to a price that still makes sense compared with other homes?

2️⃣ 𝗧𝗵𝗲 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗻𝗴
A rate incentive may sound great, but look at the complete loan terms — not just the advertised rate.

3️⃣ 𝗧𝗵𝗲 𝗰𝗹𝗼𝘀𝗶𝗻𝗴 𝗰𝗼𝘀𝘁𝘀
Ask exactly which costs or credits are included and which ones you're still responsible for.

4️⃣ 𝗧𝗵𝗲 𝘂𝗽𝗴𝗿𝗮𝗱𝗲𝘀
Appliances, flooring, countertops, lot premiums and other options can change the final price quickly.

5️⃣ 𝗧𝗵𝗲 𝗿𝗲𝘀𝗮𝗹𝗲 & 𝗹𝗶𝗳𝗲𝘀𝘁𝘆𝗹𝗲 𝗳𝗶𝘁
A good incentive doesn't automatically make it the right home, location or community for you.

If you're considering 𝗻𝗲𝘄 𝗰𝗼𝗻𝘀𝘁𝗿𝘂𝗰𝘁𝗶𝗼𝗻 𝗶𝗻 𝗖𝗲𝗻𝘁𝗿𝗮𝗹 𝗙𝗹𝗼𝗿𝗶𝗱𝗮, remember:

𝗗𝗼𝗻'𝘁 𝗰𝗼𝗺𝗽𝗮𝗿𝗲 𝗶𝗻𝗰𝗲𝗻𝘁𝗶𝘃𝗲𝘀. 𝗖𝗼𝗺𝗽𝗮𝗿𝗲 𝘁𝗵𝗲 𝗲𝗻𝘁𝗶𝗿𝗲 𝗱𝗲𝗮𝗹.

Thinking about buying new construction? We can help you look at the bigger picture before you make a decision.

𝗞𝗲𝗹𝗹𝘆 & 𝗥𝗮𝘆 𝗡𝗮𝗱𝗲𝗮𝘂
📞 Call or text 𝟰𝟬𝟳-𝟱𝟰𝟰-𝟰𝟳𝟬𝟰
🌐 𝗖𝗲𝗿𝘁𝗮𝗶𝗻𝗹𝘆𝗦𝗼𝗹𝗱.𝗻𝗲𝘁

𝗪𝗵𝘆 𝗶𝘀𝗻’𝘁 𝘆𝗼𝘂𝗿 𝗵𝗼𝘂𝘀𝗲 𝘀𝗲𝗹𝗹𝗶𝗻𝗴? 🏡 𝗛𝗲𝗿𝗲 𝗮𝗿𝗲 𝟱 𝘁𝗵𝗶𝗻𝗴𝘀 𝗜’𝗱 𝗹𝗼𝗼𝗸 𝗮𝘁 𝗳𝗶𝗿𝘀𝘁.If your Central Florida home is getting views but no...
08/27/2026

𝗪𝗵𝘆 𝗶𝘀𝗻’𝘁 𝘆𝗼𝘂𝗿 𝗵𝗼𝘂𝘀𝗲 𝘀𝗲𝗹𝗹𝗶𝗻𝗴? 🏡 𝗛𝗲𝗿𝗲 𝗮𝗿𝗲 𝟱 𝘁𝗵𝗶𝗻𝗴𝘀 𝗜’𝗱 𝗹𝗼𝗼𝗸 𝗮𝘁 𝗳𝗶𝗿𝘀𝘁.

If your Central Florida home is getting views but not showings — or showings but no offers — something is telling us where the problem may be.

1️⃣ 𝗣𝗥𝗜𝗖𝗘
How does your asking price compare with homes buyers are choosing right now?

2️⃣ 𝗣𝗥𝗘𝗦𝗘𝗡𝗧𝗔𝗧𝗜𝗢𝗡
Photos, staging, curb appeal and that first online impression matter.

3️⃣ 𝗖𝗢𝗡𝗗𝗜𝗧𝗜𝗢𝗡
Are repairs, an aging roof, HVAC or other concerns making buyers hesitate?

4️⃣ 𝗖𝗢𝗠𝗣𝗘𝗧𝗜𝗧𝗜𝗢𝗡
What else can a buyer get for the same money in your neighborhood or price range?

5️⃣ 𝗠𝗔𝗥𝗞𝗘𝗧𝗜𝗡𝗚 & 𝗔𝗖𝗖𝗘𝗦𝗦
Are the right buyers seeing the home — and is it easy enough for serious buyers to tour?

Whether you’re selling in 𝗟𝗮𝗸𝗲 𝗠𝗮𝗿𝘆, 𝗦𝗮𝗻𝗳𝗼𝗿𝗱, 𝗛𝗲𝗮𝘁𝗵𝗿𝗼𝘄, 𝗟𝗼𝗻𝗴𝘄𝗼𝗼𝗱, 𝗪𝗶𝗻𝘁𝗲𝗿 𝗦𝗽𝗿𝗶𝗻𝗴𝘀 𝗼𝗿 𝗦𝗲𝗺𝗶𝗻𝗼𝗹𝗲 𝗖𝗼𝘂𝗻𝘁𝘆, the answer isn’t automatically:

“𝗟𝗼𝘄𝗲𝗿 𝘁𝗵𝗲 𝗽𝗿𝗶𝗰𝗲.”undefined

First, figure out 𝗪𝗛𝗬 𝗯𝘂𝘆𝗲𝗿𝘀 𝗮𝗿𝗲𝗻’𝘁 𝗿𝗲𝘀𝗽𝗼𝗻𝗱𝗶𝗻𝗴.

That’s when you can make a smarter decision about what actually needs to change.

𝗛𝗼𝗺𝗲 𝘀𝗶𝘁𝘁𝗶𝗻𝗴 𝗼𝗻 𝘁𝗵𝗲 𝗺𝗮𝗿𝗸𝗲𝘁? 𝗟𝗲𝘁’𝘀 𝘁𝗮𝗸𝗲 𝗮 𝗳𝗿𝗲𝘀𝗵 𝗹𝗼𝗼𝗸 𝗮𝘁 𝘁𝗵𝗲 𝘀𝘁𝗿𝗮𝘁𝗲𝗴𝘆.

𝗞𝗲𝗹𝗹𝘆 & 𝗥𝗮𝘆 𝗡𝗮𝗱𝗲𝗮𝘂
📞 Call or text 𝟰𝟬𝟳-𝟱𝟰𝟰-𝟰𝟳𝟬𝟰
🌐 𝗖𝗲𝗿𝘁𝗮𝗶𝗻𝗹𝘆𝗦𝗼𝗹𝗱.𝗻𝗲𝘁

08/27/2026

𝗕𝘂𝘆𝗶𝗻𝗴 𝗮 𝗵𝗼𝘂𝘀𝗲 𝗶𝗻 𝗖𝗲𝗻𝘁𝗿𝗮𝗹 𝗙𝗹𝗼𝗿𝗶𝗱𝗮? 𝗛𝗲𝗿𝗲 𝗮𝗿𝗲 𝟯 𝘁𝗵𝗶𝗻𝗴𝘀 𝗻𝗼𝗯𝗼𝗱𝘆 𝘁𝗲𝗹𝗹𝘀 𝘆𝗼𝘂 𝗯𝗲𝗳𝗼𝗿𝗲 𝘆𝗼𝘂 𝗯𝘂𝘆.

1️⃣ 𝗬𝗼𝘂𝗿 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗽𝗮𝘆𝗺𝗲𝗻𝘁 𝗶𝘀𝗻'𝘁 𝘁𝗵𝗲 𝘄𝗵𝗼𝗹𝗲 𝗰𝗼𝘀𝘁.
Property taxes, homeowners insurance, HOA fees, maintenance and repairs matter too.

2️⃣ 𝗧𝗵𝗲 𝗯𝗼𝗿𝗶𝗻𝗴 𝘀𝘁𝘂𝗳𝗳 𝗰𝗮𝗻 𝗺𝗮𝘁𝘁𝗲𝗿 𝗺𝗼𝗿𝗲 𝘁𝗵𝗮𝗻 𝘁𝗵𝗲 𝗯𝗲𝗮𝘂𝘁𝗶𝗳𝘂𝗹 𝘀𝘁𝘂𝗳𝗳.
That kitchen may grab your attention, but the roof, HVAC, plumbing and home inspection deserve it too.

3️⃣ 𝗬𝗼𝘂'𝗿𝗲 𝗯𝘂𝘆𝗶𝗻𝗴 𝗮 𝗹𝗶𝗳𝗲𝘀𝘁𝘆𝗹𝗲, 𝗻𝗼𝘁 𝗷𝘂𝘀𝘁 𝗮 𝗵𝗼𝘂𝘀𝗲.
Commute, location, maintenance and how the home fits your future can matter just as much as square footage.

Whether you're looking in 𝗟𝗮𝗸𝗲 𝗠𝗮𝗿𝘆, 𝗦𝗮𝗻𝗳𝗼𝗿𝗱, 𝗛𝗲𝗮𝘁𝗵𝗿𝗼𝘄, 𝗟𝗼𝗻𝗴𝘄𝗼𝗼𝗱, 𝗢𝘃𝗶𝗲𝗱𝗼 𝗼𝗿 𝗲𝗹𝘀𝗲𝘄𝗵𝗲𝗿𝗲 𝗶𝗻 𝗖𝗲𝗻𝘁𝗿𝗮𝗹 𝗙𝗹𝗼𝗿𝗶𝗱𝗮, look beyond the listing photos.

𝗔 𝗵𝗼𝘂𝘀𝗲 𝗰𝗮𝗻 𝗳𝗶𝘁 𝘆𝗼𝘂𝗿 𝗽𝗿𝗶𝗰𝗲 𝗿𝗮𝗻𝗴𝗲 𝗮𝗻𝗱 𝘀𝘁𝗶𝗹𝗹 𝗻𝗼𝘁 𝗳𝗶𝘁 𝘆𝗼𝘂𝗿 𝗹𝗶𝗳𝗲.

Homeowners: What's ONE thing you wish someone had told you before you bought your first house?

𝗞𝗲𝗹𝗹𝘆 & 𝗥𝗮𝘆 𝗡𝗮𝗱𝗲𝗮𝘂
📞 Call or text 𝟰𝟬𝟳-𝟱𝟰𝟰-𝟰𝟳𝟬𝟰
🌐 𝗖𝗲𝗿𝘁𝗮𝗶𝗻𝗹𝘆𝗦𝗼𝗹𝗱.𝗻𝗲𝘁

08/27/2026

2 decades in real estate. These aren't actors — real People, real results, real Certainly Sold closings in Central Florida. Thinking about selling? Schedule your free, no-obligation home selling strategy session below. 👇

08/27/2026

𝗪𝗵𝗮𝘁’𝘀 𝗥𝗘𝗔𝗟𝗟𝗬 𝘀𝘁𝗼𝗽𝗽𝗶𝗻𝗴 𝘆𝗼𝘂 𝗳𝗿𝗼𝗺 𝗯𝘂𝘆𝗶𝗻𝗴 𝗮 𝗵𝗼𝗺𝗲? 🏡

For a lot of would-be buyers, it isn’t finding the right house.

It’s one of these:

1️⃣ “I 𝗱𝗼𝗻’𝘁 𝘁𝗵𝗶𝗻𝗸 𝗜 𝗵𝗮𝘃𝗲 𝗲𝗻𝗼𝘂𝗴𝗵 𝘀𝗮𝘃𝗲𝗱.”
The down payment is only one part of the bigger financial picture.

2️⃣ “I’𝗺 𝗻𝗼𝘁 𝘀𝘂𝗿𝗲 𝗜 𝗰𝗮𝗻 𝗾𝘂𝗮𝗹𝗶𝗳𝘆.”
Credit, income, debt and financing can feel complicated when you don’t know where you stand.

3️⃣ “I’𝗺 𝘄𝗮𝗶𝘁𝗶𝗻𝗴 𝗳𝗼𝗿 𝘁𝗵𝗲 𝗽𝗲𝗿𝗳𝗲𝗰𝘁 𝘁𝗶𝗺𝗲.”
But the right time to buy is personal. It depends on your finances, goals, lifestyle and how long you plan to stay — not just what the headlines say.

If you’re thinking about buying in 𝗟𝗮𝗸𝗲 𝗠𝗮𝗿𝘆, 𝗦𝗮𝗻𝗳𝗼𝗿𝗱, 𝗛𝗲𝗮𝘁𝗵𝗿𝗼𝘄, 𝗟𝗼𝗻𝗴𝘄𝗼𝗼𝗱, 𝗢𝘃𝗶𝗲𝗱𝗼 𝗼𝗿 𝗲𝗹𝘀𝗲𝘄𝗵𝗲𝗿𝗲 𝗶𝗻 𝗖𝗲𝗻𝘁𝗿𝗮𝗹 𝗙𝗹𝗼𝗿𝗶𝗱𝗮, start by figuring out what’s actually holding you back.

𝗬𝗼𝘂 𝗺𝗮𝘆 𝗻𝗲𝗲𝗱 𝗮 𝗽𝗹𝗮𝗻 𝗺𝗼𝗿𝗲 𝘁𝗵𝗮𝗻 𝘆𝗼𝘂 𝗻𝗲𝗲𝗱 𝗮 𝗽𝗿𝗲𝗱𝗶𝗰𝘁𝗶𝗼𝗻.

What’s the biggest question keeping you on the sidelines right now?

🏡 Thinking about buying? Let’s talk about your next step.

Kelly & Ray Nadeau
📞 Call or text: 407-544-4704
🌐 CertainlySold.net

𝗪𝗵𝗮𝘁 𝗱𝗼𝗲𝘀 𝗶𝘁 𝗥𝗘𝗔𝗟𝗟𝗬 𝗰𝗼𝘀𝘁 𝘁𝗼 𝗼𝘄𝗻 𝗮 𝗵𝗼𝗺𝗲 𝗶𝗻 𝗙𝗹𝗼𝗿𝗶𝗱𝗮? 🏡The mortgage gets most of the attention.But before buying, there are...
08/25/2026

𝗪𝗵𝗮𝘁 𝗱𝗼𝗲𝘀 𝗶𝘁 𝗥𝗘𝗔𝗟𝗟𝗬 𝗰𝗼𝘀𝘁 𝘁𝗼 𝗼𝘄𝗻 𝗮 𝗵𝗼𝗺𝗲 𝗶𝗻 𝗙𝗹𝗼𝗿𝗶𝗱𝗮? 🏡

The mortgage gets most of the attention.

But before buying, there are 𝟱 𝗼𝘁𝗵𝗲𝗿 𝗰𝗼𝘀𝘁𝘀 you should have on your radar:

1️⃣ 𝗣𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝘁𝗮𝘅𝗲𝘀
What the current owner pays may not be what you pay after purchasing.

2️⃣ 𝗛𝗼𝗺𝗲𝗼𝘄𝗻𝗲𝗿𝘀 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲
In Florida, the home itself — including factors like the roof — can affect your options and costs.

3️⃣ 𝗛𝗢𝗔 𝗼𝗿 𝗰𝗼𝗺𝗺𝘂𝗻𝗶𝘁𝘆 𝗳𝗲𝗲𝘀
And don't forget to ask about potential special assessments.

4️⃣ 𝗨𝘁𝗶𝗹𝗶𝘁𝗶𝗲𝘀
Electric, water, internet, lawn care and other monthly expenses add up.

5️⃣ 𝗠𝗮𝗶𝗻𝘁𝗲𝗻𝗮𝗻𝗰𝗲 & 𝗿𝗲𝗽𝗮𝗶𝗿𝘀
HVAC systems fail. Appliances break. Roofs eventually need attention. Homeownership needs a repair budget.

If you're buying in 𝗟𝗮𝗸𝗲 𝗠𝗮𝗿𝘆, 𝗦𝗮𝗻𝗳𝗼𝗿𝗱, 𝗛𝗲𝗮𝘁𝗵𝗿𝗼𝘄, 𝗟𝗼𝗻𝗴𝘄𝗼𝗼𝗱, 𝗢𝘃𝗶𝗲𝗱𝗼 𝗼𝗿 𝗚𝗿𝗲𝗮𝘁𝗲𝗿 𝗢𝗿𝗹𝗮𝗻𝗱𝗼, don't ask only:

“𝗖𝗮𝗻 𝗜 𝗮𝗳𝗳𝗼𝗿𝗱 𝘁𝗵𝗲 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲?"

Ask:

“𝗖𝗮𝗻 𝗜 𝗰𝗼𝗺𝗳𝗼𝗿𝘁𝗮𝗯𝗹𝘆 𝗮𝗳𝗳𝗼𝗿𝗱 𝘁𝗵𝗲 𝗛𝗢𝗠𝗘?"

Thinking about buying? Let’s make sure you’re looking at the whole picture.

𝗞𝗲𝗹𝗹𝘆 & 𝗥𝗮𝘆 𝗡𝗮𝗱𝗲𝗮𝘂
📞 Call or text 𝟰𝟬𝟳-𝟱𝟰𝟰-𝟰𝟳𝟬𝟰
🌐 𝗖𝗲𝗿𝘁𝗮𝗶𝗻𝗹𝘆𝗦𝗼𝗹𝗱.𝗻𝗲𝘁

𝗦𝗵𝗼𝘂𝗹𝗱 𝘆𝗼𝘂 𝗯𝘂𝘆 𝗮 𝗵𝗼𝘂𝘀𝗲 𝗻𝗼𝘄… 𝗼𝗿 𝘄𝗮𝗶𝘁? 🏡It’s one of the biggest questions Central Florida homebuyers are asking right now....
08/23/2026

𝗦𝗵𝗼𝘂𝗹𝗱 𝘆𝗼𝘂 𝗯𝘂𝘆 𝗮 𝗵𝗼𝘂𝘀𝗲 𝗻𝗼𝘄… 𝗼𝗿 𝘄𝗮𝗶𝘁? 🏡

It’s one of the biggest questions Central Florida homebuyers are asking right now.

Instead of trying to predict the “perfect” time, ask yourself these 3 questions:

1️⃣ 𝗖𝗮𝗻 𝗜 𝗰𝗼𝗺𝗳𝗼𝗿𝘁𝗮𝗯𝗹𝘆 𝗮𝗳𝗳𝗼𝗿𝗱 𝘁𝗵𝗲 𝗧𝗢𝗧𝗔𝗟 𝗺𝗼𝗻𝘁𝗵𝗹𝘆 𝗰𝗼𝘀𝘁?
Think mortgage payment, property taxes, homeowners insurance, HOA fees and maintenance.

2️⃣ 𝗗𝗼𝗲𝘀 𝗯𝘂𝘆𝗶𝗻𝗴 𝗳𝗶𝘁 𝗺𝘆 𝗹𝗶𝗳𝗲 𝗿𝗶𝗴𝗵𝘁 𝗻𝗼𝘄?
Your job, family, location and how long you plan to stay matter just as much as the market.

3️⃣ 𝗪𝗼𝘂𝗹𝗱 𝗜 𝘀𝘁𝗶𝗹𝗹 𝗯𝗲 𝗰𝗼𝗺𝗳𝗼𝗿𝘁𝗮𝗯𝗹𝗲 𝗯𝘂𝘆𝗶𝗻𝗴 𝗶𝗳 𝗿𝗮𝘁𝗲𝘀 𝗼𝗿 𝗵𝗼𝗺𝗲 𝗽𝗿𝗶𝗰𝗲𝘀 𝗰𝗵𝗮𝗻𝗴𝗲𝗱 𝗹𝗮𝘁𝗲𝗿?
Trying to perfectly time both is nearly impossible.

𝗧𝗵𝗲 𝗯𝗲𝘀𝘁 𝘁𝗶𝗺𝗲 𝘁𝗼 𝗯𝘂𝘆 𝗶𝘀𝗻’𝘁 𝗱𝗲𝘁𝗲𝗿𝗺𝗶𝗻𝗲𝗱 𝗯𝘆 𝗮 𝗵𝗲𝗮𝗱𝗹𝗶𝗻𝗲. 𝗜𝘁’𝘀 𝘄𝗵𝗲𝗻 𝘁𝗵𝗲 𝗵𝗼𝗺𝗲, 𝘁𝗵𝗲 𝗻𝘂𝗺𝗯𝗲𝗿𝘀 𝗮𝗻𝗱 𝘆𝗼𝘂𝗿 𝗹𝗶𝗳𝗲 𝗮𝗹𝗹 𝗺𝗮𝗸𝗲 𝘀𝗲𝗻𝘀𝗲 𝘁𝗼𝗴𝗲𝘁𝗵𝗲𝗿.

Thinking about buying in 𝗟𝗮𝗸𝗲 𝗠𝗮𝗿𝘆, 𝗦𝗮𝗻𝗳𝗼𝗿𝗱, 𝗛𝗲𝗮𝘁𝗵𝗿𝗼𝘄, 𝗟𝗼𝗻𝗴𝘄𝗼𝗼𝗱, 𝗢𝘃𝗶𝗲𝗱𝗼 𝗼𝗿 𝗖𝗲𝗻𝘁𝗿𝗮𝗹 𝗙𝗹𝗼𝗿𝗶𝗱𝗮? Let’s talk through your next step.

𝗞𝗲𝗹𝗹𝘆 & 𝗥𝗮𝘆 𝗡𝗮𝗱𝗲𝗮𝘂
📞 Call or text 𝟰𝟬𝟳-𝟱𝟰𝟰-𝟰𝟳𝟬𝟰
🌐 𝗖𝗲𝗿𝘁𝗮𝗶𝗻𝗹𝘆𝗦𝗼𝗹𝗱.𝗻𝗲𝘁

𝗜 𝘁𝗮𝗸𝗲 𝗮 𝗹𝗼𝘁 𝗼𝗳 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝘄𝗿𝗶𝘁𝗲-𝗼𝗳𝗳𝘀. 𝗖𝗮𝗻 𝗜 𝘀𝘁𝗶𝗹𝗹 𝗾𝘂𝗮𝗹𝗶𝗳𝘆 𝗳𝗼𝗿 𝗮 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲?Potentially, yes.If you're self-employed, the bi...
08/22/2026

𝗜 𝘁𝗮𝗸𝗲 𝗮 𝗹𝗼𝘁 𝗼𝗳 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝘄𝗿𝗶𝘁𝗲-𝗼𝗳𝗳𝘀. 𝗖𝗮𝗻 𝗜 𝘀𝘁𝗶𝗹𝗹 𝗾𝘂𝗮𝗹𝗶𝗳𝘆 𝗳𝗼𝗿 𝗮 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲?

Potentially, yes.

If you're self-employed, the bigger question is 𝗵𝗼𝘄 𝘆𝗼𝘂𝗿 𝗾𝘂𝗮𝗹𝗶𝗳𝘆𝗶𝗻𝗴 𝗶𝗻𝗰𝗼𝗺𝗲 𝗰𝗮𝗻 𝗯𝗲 𝗱𝗼𝗰𝘂𝗺𝗲𝗻𝘁𝗲𝗱.

Legitimate business deductions can reduce the income shown on your tax returns. But depending on your financial profile and the loan program, tax returns may not be the only potential path.

Some self-employed borrowers may be evaluated using:

1. 𝗕𝗮𝗻𝗸 𝘀𝘁𝗮𝘁𝗲𝗺𝗲𝗻𝘁𝘀 — using eligible deposits to help calculate qualifying income
2. 𝟭𝟬𝟵𝟵 𝗶𝗻𝗰𝗼𝗺𝗲 — for certain independent contractors and professionals
3. 𝗣𝗿𝗼𝗳𝗶𝘁 & 𝗟𝗼𝘀𝘀 𝘀𝘁𝗮𝘁𝗲𝗺𝗲𝗻𝘁𝘀 — when permitted by the program
4. 𝗔𝘀𝘀𝗲𝘁𝘀 — certain programs may use eligible assets as part of an alternative qualification method
5. 𝗧𝗿𝗮𝗱𝗶𝘁𝗶𝗼𝗻𝗮𝗹 𝘁𝗮𝘅 𝗿𝗲𝘁𝘂𝗿𝗻𝘀 — which may still be the better option when they support qualification

The takeaway?

𝗕𝗲𝗶𝗻𝗴 𝘀𝗲𝗹𝗳-𝗲𝗺𝗽𝗹𝗼𝘆𝗲𝗱 𝗶𝘀𝗻'𝘁 𝗮𝘂𝘁𝗼𝗺𝗮𝘁𝗶𝗰𝗮𝗹𝗹𝘆 𝘁𝗵𝗲 𝗽𝗿𝗼𝗯𝗹𝗲𝗺. 𝗨𝗻𝗱𝗲𝗿𝘀𝘁𝗮𝗻𝗱𝗶𝗻𝗴 𝗵𝗼𝘄 𝘆𝗼𝘂𝗿 𝗶𝗻𝗰𝗼𝗺𝗲 𝗶𝘀 𝗱𝗼𝗰𝘂𝗺𝗲𝗻𝘁𝗲𝗱 𝗶𝘀 𝘁𝗵𝗲 𝗶𝗺𝗽𝗼𝗿𝘁𝗮𝗻𝘁 𝗽𝗮𝗿𝘁.

For Florida business owners, it can be worth comparing the available qualification methods before assuming a traditional mortgage is your only option.

Kelly Nadeau NMLS #1027618
Ray Nadeau NMLS #1027617
Loan Officers | Licensed in Florida
Smart-N-Loans.com

Equity Smart Home Loans NMLS #856170
1499 Huntington Drive, Suite 500
South Pasadena, CA 91030
Equal Housing Lender

Rates, fees, programs, and guidelines are subject to change without notice. This is not a commitment to lend. All loans are subject to approval and program requirements. Not all applicants will qualify.

For educational purposes only. Learn more at Smart-N-Loans.com.

𝗖𝗮𝗻 𝘆𝗼𝘂 𝗯𝘂𝘆 𝗮 𝗿𝗲𝗻𝘁𝗮𝗹 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝘄𝗶𝘁𝗵𝗼𝘂𝘁 𝘂𝘀𝗶𝗻𝗴 𝘆𝗼𝘂𝗿 𝘁𝗮𝘅 𝗿𝗲𝘁𝘂𝗿𝗻𝘀 𝘁𝗼 𝗾𝘂𝗮𝗹𝗶𝗳𝘆?Potentially, yes.For some real estate investors,...
08/20/2026

𝗖𝗮𝗻 𝘆𝗼𝘂 𝗯𝘂𝘆 𝗮 𝗿𝗲𝗻𝘁𝗮𝗹 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝘄𝗶𝘁𝗵𝗼𝘂𝘁 𝘂𝘀𝗶𝗻𝗴 𝘆𝗼𝘂𝗿 𝘁𝗮𝘅 𝗿𝗲𝘁𝘂𝗿𝗻𝘀 𝘁𝗼 𝗾𝘂𝗮𝗹𝗶𝗳𝘆?

Potentially, yes.

For some real estate investors, a 𝗗𝗦𝗖𝗥 𝗹𝗼𝗮𝗻 may offer a different way to qualify for an investment property.

Instead of qualifying primarily from your personal employment income, a DSCR program generally evaluates the 𝗿𝗲𝗻𝘁𝗮𝗹 𝗶𝗻𝗰𝗼𝗺𝗲 𝗮𝗻𝗱 𝗲𝘅𝗽𝗲𝗻𝘀𝗲𝘀 𝗮𝘀𝘀𝗼𝗰𝗶𝗮𝘁𝗲𝗱 𝘄𝗶𝘁𝗵 𝘁𝗵𝗲 𝗶𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆.

That can be worth exploring if you:

• Own a business or are self-employed
• Have significant legitimate tax write-offs
• Already own multiple rental properties
• Want to keep growing an investment portfolio
• Have income that's difficult to document traditionally

But here's the important part:

𝗗𝗦𝗖𝗥 𝗱𝗼𝗲𝘀𝗻'𝘁 𝗺𝗲𝗮𝗻 𝗮𝘂𝘁𝗼𝗺𝗮𝘁𝗶𝗰 𝗮𝗽𝗽𝗿𝗼𝘃𝗮𝗹.

Credit, reserves, property cash flow, property type, appraisal findings and other program requirements may still matter. Guidelines vary by lender and program.

For Florida investors, the better question isn't “𝗖𝗮𝗻 𝗜 𝗮𝘃𝗼𝗶𝗱 𝘁𝗮𝘅 𝗿𝗲𝘁𝘂𝗿𝗻𝘀?”

It's “𝗪𝗵𝗶𝗰𝗵 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗻𝗴 𝘀𝘁𝗿𝘂𝗰𝘁𝘂𝗿𝗲 𝗺𝗮𝗸𝗲𝘀 𝘀𝗲𝗻𝘀𝗲 𝗳𝗼𝗿 𝘁𝗵𝗶𝘀 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗮𝗻𝗱 𝗺𝘆 𝗶𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁 𝘀𝘁𝗿𝗮𝘁𝗲𝗴𝘆?”

Kelly Nadeau NMLS #1027618
Ray Nadeau NMLS #1027617
Loan Officers | Licensed in Florida
Smart-N-Loans.com

Equity Smart Home Loans NMLS #856170
1499 Huntington Drive, Suite 500
South Pasadena, CA 91030
Equal Housing Lender

Rates, fees, programs, and guidelines are subject to change without notice. This is not a commitment to lend. All loans are subject to approval and program requirements. Not all applicants will qualify.

For educational purposes only. Learn more at Smart-N-Loans.com.

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255 Primera Boulevard Suite 160
Lake Mary, FL
32746

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