SL 3260516Sales associate

(772) 646-1411

Investments & hard situations

Numbers, liens, and a way through.

I work with investment property, pre-foreclosures, and short sales. If you are an owner in trouble, this is a real-estate conversation, not a “we buy houses” postcard. If you are a buyer, I represent you — I do not wholesale your deal out from under you.

Track one

Investment property

Small rentals, houses with room to improve, and the occasional place that only pencils if you are honest about insurance, taxes, and a roof. Sebastian is not a spreadsheet from 2016. I will tell you when the rent does not cover the reality of Florida carrying costs.

Track two

Pre-foreclosure

If the lender has started down a road you do not want to be on, time matters and privacy matters. Options can include a regular sale, a short sale, or something your lender offers that is not a sale at all. I handle the real-estate side. A housing counselor, attorney, or both should handle the rest. I will not invent a deadline to scare you into listing tonight.

Track three

Short sales

A short sale means the lender agrees to take less than the payoff. They do not have to say yes. The file needs a real price, a hardship story that is yours, and patience — these take longer than a normal contract. Deficiency and taxes are questions for a lawyer and a tax professional, not for a flyer.

  1. 1. We confirm you want to try, and who else is on the title and the loan.
  2. 2. I price the house from the MLS, not from a wish.
  3. 3. You gather what the lender asks for. I keep the listing side orderly.
  4. 4. An offer is submitted for approval. We do not pretend approval is certain.

What I will not do

I will not pressure you to sign something you do not understand. I will not pretend to be your attorney, your CPA, or your lender. I will not shop your distress around town as a bargain rumor. If a buyer-client and a seller-client ever collide, I will say so and follow the agency rules, not a shortcut.

Write Kat

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