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Guide to Buying Investment Real Estate in Florida: Exploring Property Types and Historical Performance

Investment real estate in Florida offers lucrative opportunities for diversifying portfolios, generating passive income, and building long-term wealth. When it comes to purchasing investment properties, understanding the nuances of property types and historical performance is crucial. In this comprehensive guide, we will delve into the differences between single-family homes, multi-family properties, and commercial real estate. Additionally, we will explore the typical down payment requirements for investment properties when obtaining a mortgage. We’ll analyze historical data to determine which property type has performed best over a 20-30 year period in the dynamic Florida real estate market. If you are looking to invest in real estate, the Price Group team is here to offer guidance based on our expertise and personal experience with investment properties.

  1. Understanding Different Property Types: a. Single-Family Homes: Single-family homes are standalone properties that house one family or household. They are typically considered a lower-risk investment option and offer the advantage of easy management and potential appreciation in value.

b. Multi-Family Properties: Multi-family properties include duplexes, triplexes, apartment buildings, and condominium complexes. These properties can provide multiple income streams, allowing you to mitigate risk and achieve economies of scale. However, they often require more extensive management and maintenance.

c. Commercial Real Estate: Commercial properties encompass office buildings, retail spaces, warehouses, and more. Investing in commercial real estate can be rewarding due to higher rental income and longer lease terms. However, they generally require a larger upfront investment and can be influenced by economic cycles and market conditions.

  1. Typical Down Payment for Investment Properties: The down payment required for an investment property can vary depending on several factors, including the property type, the lender’s policies, and your personal financial situation. In general, lenders may require a larger down payment compared to primary residences. A typical down payment for investment properties ranges from 15% to 25% of the property’s purchase price. Keep in mind that higher down payments can potentially lead to more favorable loan terms and lower interest rates.
  2. Historical Performance in Florida: When evaluating the historical performance of property types over a 20-30 year time period in Florida, it’s essential to consider multiple factors, including location, market trends, and economic indicators. While past performance doesn’t guarantee future results, analyzing historical data can provide valuable insights.

a. Single-Family Homes: Historically, single-family homes in Florida have shown strong appreciation rates. Factors such as desirable locations, population growth, and tourism contribute to their long-term growth potential. However, localized economic downturns or housing market fluctuations can impact short-term returns.

b. Multi-Family Properties: Multi-family properties, particularly apartment buildings, have experienced steady demand in Florida due to population growth and an increasing number of renters. These properties offer the advantage of consistent rental income and potential appreciation over time.

c. Commercial Real Estate: The performance of commercial real estate in Florida varies across different sectors and submarkets. Retail spaces and office buildings in prime locations, such as downtown areas or busy shopping districts, have shown resilience and potential for long-term growth. However, industrial or warehouse properties can also offer attractive returns, driven by factors like logistics and e-commerce.

Conclusion: Investing in real estate requires careful consideration of various factors, including property types, down payments, and historical performance. Single-family homes, multi-family properties, and commercial real estate each have their own unique characteristics and potential benefits. When deciding which property type to invest in, it’s crucial to assess your financial goals, risk tolerance, and market conditions. By conducting thorough research and seeking professional advice, you can make informed investment decisions that align with your objectives and maximize your chances of success in the dynamic Florida real estate market.

If you are considering purchasing an investment property in Florida, the Price Group team is here to assist you every step of the way. Our team members have extensive experience in the real estate industry and many of us personally own investment properties. We understand the nuances of the market and can help you navigate through the complexities of property selection, financing options, and investment strategies. Whether you are a seasoned investor or new to real estate, we can provide valuable insights and guidance to help you determine the best option for your investment goals. Feel free to reach out to us for a personalized consultation, and let us help you make an informed decision that sets you on the path to success in the world of investment real estate.

What is Title Insurance?

Title insurance is a type of insurance that protects real estate owners and lenders from financial loss due to defects in the title of the property. A title is the legal document that establishes ownership of a property, and a defect in the title can create problems for the owner or lender.

Common defects in titles can include errors in public records, undisclosed heirs, mistakes in surveys, and liens or judgments against the property. These defects can create issues with ownership and make it difficult to sell or refinance the property.

Title insurance policies are typically issued by title insurance companies and are purchased during the real estate closing process. There are two types of title insurance policies: owner’s policies and lender’s policies.

Owner’s policies protect the property owner from financial loss due to defects in the title, while lender’s policies protect the lender from financial loss due to defects in the title that could impact the validity of the mortgage.

Why is Title Insurance Important?

Title insurance is important because it protects property owners and lenders from financial loss due to defects in the title. Without title insurance, property owners and lenders would be responsible for any financial loss that results from defects in the title.

For example, if a property owner purchases a property with a defective title, they could be responsible for any liens or judgments against the property that were not disclosed at the time of purchase. This could result in a significant financial loss for the property owner.

Similarly, if a lender provides a mortgage for a property with a defective title, they could lose their security interest in the property if the defects in the title result in the mortgage being deemed invalid.

How Does Title Insurance Work?

Title insurance works by conducting a title search and issuing a policy that covers defects in the title that are discovered during the search. The title search is conducted by a title insurance company and involves a review of public records, such as deeds, mortgages, and tax records.

If any defects in the title are discovered during the title search, the title insurance company will work to resolve the issues before issuing the policy. If the defects cannot be resolved, the title insurance policy will provide coverage for any financial loss that results from the defects.

The cost of title insurance varies depending on the property and the policy being purchased. In most cases, the cost of the policy is a one-time fee that is paid at the time of closing.


Title insurance is an important type of insurance that protects property owners and lenders from financial loss due to defects in the title. By conducting a title search and issuing a policy that covers any defects in the title, title insurance companies provide peace of mind to property owners and lenders alike. If you are purchasing a property, it’s important to consider purchasing title insurance to protect yourself from potential financial loss due to title defects.

What to do if the appraisal comes in low!

If you’re planning to buy a new home with a mortgage, one of the most important steps in the process is the appraisal. The appraisal determines the value of the home and ensures that the lender is not lending more money than the property is worth. However, sometimes the appraisal can come in below the sales price, leaving home buyers in a difficult situation. In this post, we will discuss the top 5 options available to home buyers who are getting a mortgage and find themselves in this situation. By understanding these options, you can make an informed decision and ensure that your home buying journey goes as smoothly as possible.

If you’re a home buyer getting a mortgage, it can be frustrating to find out that the appraisal for the new home purchase has come in below the sales price. This can create a difficult situation, but there are options available to help you overcome it.

But first: How to prepare for an appraisal:

  1. Clean and declutter the home: A tidy and clutter-free home can create a positive impression on the appraiser.
  2. Complete necessary repairs: Make any necessary repairs to the home, including fixing leaky faucets, broken windows, or damaged walls. The condition of the home can affect its appraisal value.
  3. Highlight any upgrades: If you’ve made any upgrades to the home, such as installing new appliances or renovating a bathroom, be sure to let the appraiser know.
  4. Provide information on the neighborhood: Share information on the neighborhood, such as its amenities and schools, to help the appraiser understand the value of the home in its location.

Factors that can affect the appraisal value of a home:

  1. Location: The location of the home can have a significant impact on its value. Factors such as proximity to schools, shopping, and transportation can increase the value of the home.
  2. Size and condition: The size and condition of the home are key factors in its appraisal value. Homes that are larger and in better condition generally have a higher appraisal value.
  3. Upgrades and renovations: Upgrades and renovations, such as updated kitchens and bathrooms or new flooring, can increase the appraisal value of a home.
  4. Comparable sales: Appraisers will look at comparable sales in the area to determine the value of a home. If there are recent sales of similar homes in the area, this can help determine the appraisal value of the home.

By understanding these factors and taking steps to prepare for an appraisal, you can increase the chances of receiving a favorable appraisal value for your home.

If the appraisal does come in below the sales price, here are the top 5 options to consider if you find yourself in this situation:

  1. Negotiate with the seller: As a home buyer, you can negotiate with the seller to lower the price of the home to match the appraised value. This is the most common option.
  2. Make a larger down payment: Another option is to increase your down payment to make up the difference between the sales price and the appraised value.
  3. Order a new appraisal: If you feel that the appraisal is inaccurate, you can request a new appraisal from a different appraiser.
  4. Walk away from the deal: If the seller is unwilling to negotiate and you are unable or unwilling to make a larger down payment, you can choose to walk away from the deal.
  5. Renegotiate the terms of the loan: You can try to renegotiate the terms of the loan with the lender, such as the interest rate or length of the loan.

48th Annual Mainsail Arts Festival takes over Vinoy Park this weekend

Get ready to immerse yourself in a weekend of art, music, and culture at the 48th Annual Mainsail Art Festival in scenic Vinoy Park this weekend. Taking place this Saturday and Sunday, April 22 and 23, the highly anticipated event is a highlight of the city’s outdoor calendar, drawing in over 100,000 visitors each year who come to appreciate and purchase exquisite art while enjoying live musical entertainment.

Organized by a dedicated team of volunteers, the Mainsail Art Festival boasts an impressive $60,000 prize money for the participating artists. With over 250 juried fine art and craft exhibitors showcasing their talent, there will be something for everyone to admire and appreciate. From stunning paintings to intricate sculptures, this festival promises to be a feast for the senses.

But it’s not just about the art – the Mainsail Art Festival also offers a diverse lineup of performing arts to captivate the audience. From mime acts to strolling minstrels, and steel drums to bands on the stage, there will be an eclectic mix of performances to enjoy throughout the weekend.

And let’s not forget about the tasty food and drink – local favorites such as Kahwa Coffee, Main Street Boys Empanadas, Pipo’s Cuban Cafe, Sea Dog Cantina, and many more will be serving up their delectable offerings, ensuring that your taste buds are just as satisfied as your eyes and ears.

Admission is free and festival hours run from 9 am to 6 pm on April 22, and 10 am to 5 pm on April 23. Ranked number 14 in Sunshine Artist Magazine’s 100 Best Fine Art Events in the U.S., the Mainsail Art Festival is a must-attend event for art enthusiasts, music lovers, and anyone looking for a fun-filled weekend in downtown St. Pete.

Why You Need a Will or Trust and How Can Help

As we go through life, we accumulate assets and personal belongings that we want to leave to our loved ones when we pass away. However, many of us overlook the importance of having a will or trust in place to ensure that our wishes are carried out after we’re gone. If you don’t have a will or trust yet, here are some reasons why you should consider getting one, and how can help.

  1. Protect your assets: A will or trust can help you protect your assets and ensure that they are distributed according to your wishes. Without a will or trust, your assets will be distributed according to state law, which may not reflect your preferences.
  2. Avoid disputes: Having a will or trust can help avoid disputes among your family members and loved ones after your passing. By clearly outlining your wishes, you can reduce the likelihood of disagreements over your assets.
  3. Protect your children: If you have minor children, a will or trust can help you ensure that they are cared for by the person or people you choose. This can give you peace of mind knowing that your children will be in good hands if anything were to happen to you.
  4. Avoid probate: Probate is the legal process that takes place after someone passes away, in which their assets are distributed and debts are paid. Having a will or trust can help you avoid probate, which can be a lengthy and costly process.

Now that you understand the importance of having a will or trust, you may be wondering where to start. offers a simple solution for creating a will or trust online. With their easy-to-use platform, you can create a legal will or trust in just a few minutes, without the need for an attorney. They offer different plans to fit your specific needs and budget, and you can update your will or trust at any time.

In conclusion, having a will or trust is essential for protecting your assets, avoiding disputes, and ensuring that your loved ones are cared for after you’re gone. With, creating a will or trust has never been easier or more affordable. Take the first step today to secure your legacy and provide peace of mind for yourself and your loved ones.

Top 5 home improvements that generate the highest return on investment

Are you planning on making some home improvements but want to make sure you get the most bang for your buck? Here are the top 5 home improvements that generate the highest return on investment.

  1. Kitchen Remodeling: The kitchen is often considered the heart of the home and is a major selling point for potential buyers. By updating your kitchen, you can increase the value of your home significantly. A minor kitchen remodel typically includes replacing cabinet fronts, countertops, and appliances, while a major remodel may include a complete overhaul of the layout and design. Keywords: kitchen remodel, kitchen renovation, kitchen upgrade.
  2. Bathroom Remodeling: Bathrooms are another area that can greatly increase your home’s value. Simple updates like replacing outdated fixtures, adding new tile, or updating the lighting can make a big impact. A full bathroom renovation may involve changing the layout, adding a new shower or tub, or replacing the flooring. Keywords: bathroom remodel, bathroom renovation, bathroom upgrade.
  3. Outdoor Improvements: Your home’s exterior is the first thing people see, so it’s important to make a good impression. Outdoor improvements like landscaping, adding a deck or patio, or installing outdoor lighting can improve your home’s curb appeal and make it more inviting. Keywords: outdoor improvements, landscaping, deck installation.
  4. Garage Door Replacement: Replacing your garage door can significantly improve your home’s curb appeal and increase its value. A new garage door can also improve energy efficiency and enhance security. Consider choosing a door that complements your home’s architectural style and color scheme. Keywords: garage door replacement, garage door upgrade, new garage door.
  5. Energy-Efficient Upgrades: Making energy-efficient upgrades to your home can save you money on utility bills and make it more attractive to potential buyers. Consider adding insulation, sealing air leaks, installing a programmable thermostat, or upgrading to Energy Star certified appliances. These upgrades can also improve the overall comfort and health of your home. Keywords: energy-efficient upgrades, insulation, programmable thermostat, Energy Star appliances, energy-efficient windows.

By investing in these top home improvements, you can increase your home’s value and make it more appealing to potential buyers. Remember to always do your research and hire a reputable licensed contractor to ensure a high-quality renovation.

Need help picking a contractor or want to talk about your options for home improvement on your home? Call us today and we can guide you on the best contractors and improvements specific to your needs.

Rooftop solar, is it right for you?

As a realtor, I’m always looking for ways to improve my home and make it more attractive to potential buyers & reduce my power bill. One of way I’ve found to do this is by installing solar panels on my roof. Not only does this provide me with a clean, renewable source of energy, but it also makes my home more energy-efficient and cost-effective in the long run.

If you’re considering installing solar panels on your own home, you may have a lot of questions and concerns about the process. As someone who has recently gone through the experience myself, I’m here to provide some insight and help you make an informed decision.

First and foremost, let’s talk about solar panels themselves. These photovoltaic (PV) systems are designed to capture the sun’s energy and convert it into electricity that can power your home. They typically consist of several panels that are installed on your roof, facing south or southwest to maximize their exposure to the sun. Panels can be installed on other side of the roof but they will not perform at their best.

One of the biggest benefits of solar panels is that they can help you save money on your energy bills. When your panels generate more energy than you need, the excess electricity is sent back to the grid through a process called net metering. This means that you can earn credits on your bill for the excess energy you generate, which can help offset the cost of your initial investment.

Another advantage of solar panels is that they’re a renewable source of energy. Unlike fossil fuels, which are finite resources that will eventually run out, solar energy is constantly replenished by the sun. By installing solar panels, you’re reducing your reliance on non-renewable energy sources and doing your part to help protect the environment.

Of course, there are some downsides to consider as well. One of the main concerns people have about solar panels is the upfront cost. It’s true that installing solar panels can be a significant investment, but there are a number of solar incentives and rebates available that can help offset the cost. Additionally, many solar providers offer financing options and solar leasing programs that can make the upfront cost more manageable.

Another concern is the reliability of solar energy. What happens on cloudy days or during periods of low sun exposure? The good news is that most solar panels are designed to still generate some energy even in less than ideal conditions. Additionally, you can install a solar battery storage system that allows you to store excess energy generated during sunny days and use it when the sun isn’t shining.

As a realtor who has recently installed solar panels on my own home, I understand the pros and cons of this investment. I’m happy to share my experience and answer any questions you may have about solar panels and how they can benefit your home. If you’re considering installing solar panels, don’t hesitate to reach out to me for guidance and advice.

2023 St. Pete Grand Prix downtown St. Pete FL

The Downtown St. Petersburg FL Grand Prix is an annual motorsports event that takes place on the streets of St. Petersburg, Florida. This highly anticipated event draws in crowds from around the country and features some of the top drivers and teams in the world of motorsports. Here are some of the top keywords to know about the Downtown St. Petersburg FL Grand Prix:

  1. Grand Prix: The Downtown St. Petersburg FL Grand Prix is a grand prix, which is a type of auto racing event that typically features high-performance race cars and professional drivers.
  2. St. Petersburg: St. Petersburg is a city located in Pinellas County, Florida. It’s a popular destination for tourists and is known for its beautiful beaches, cultural attractions, and lively downtown area.
  3. Motorsports: Motorsports refers to any form of competitive racing involving motorized vehicles, such as cars, motorcycles, or boats.
  4. IndyCar: IndyCar is a type of open-wheel race car that’s used in many different racing series, including the Downtown St. Petersburg FL Grand Prix.
  5. Street Circuit: The Downtown St. Petersburg FL Grand Prix takes place on a street circuit, which is a type of race course that’s set up on the city streets instead of a dedicated race track.
  6. Festival: The Downtown St. Petersburg FL Grand Prix is more than just a race – it’s also a festival that features live music, food vendors, and other activities for race-goers to enjoy.
  7. Penske: Penske is a prominent racing team that competes in the Downtown St. Petersburg FL Grand Prix and other major racing events around the world.
  8. Speed: The Downtown St. Petersburg FL Grand Prix is known for its high speeds and intense racing action, as drivers push their cars to the limit on the city streets.
  9. Florida: The Downtown St. Petersburg FL Grand Prix takes place in Florida, which is known for its warm weather, beautiful beaches, and vibrant culture.
  10. Fans: The Downtown St. Petersburg FL Grand Prix attracts fans from all over the world who come to see their favorite drivers and teams in action and to experience the excitement of this world-class motorsports event.

Overall, the Downtown St. Petersburg FL Grand Prix is a must-see event for anyone who loves motorsports and wants to experience the thrill of high-speed racing on a street circuit. With its exciting racing action, lively festival atmosphere, and beautiful location in sunny Florida, this event is sure to be a highlight of the year for race fans of all ages.

Get your tickets at

Dunedin, Florida: A Look at Its History & the real estate market.

Dunedin, located on the Gulf of Mexico in Pinellas County, is a charming coastal town with a rich history. The area was first settled by Scottish immigrants in the mid-1800s, and the city was officially incorporated in 1899. The name “Dunedin” comes from the Scottish Gaelic word for Edinburgh, the capital of Scotland.

One of the most notable historical sites in Dunedin is the Fenway Hotel, which was built in 1926. The hotel was a popular destination for tourists and celebrities during the 1920s and 1930s and was even visited by President Calvin Coolidge. Today, the Fenway Hotel has been restored and serves as a bed and breakfast.

Another important historical site is the Dunedin Historical Museum, which was established in 1977. The museum is located in a restored 1914 cottage and features exhibits on the city’s early settlers, the citrus industry, and the military.

Dunedin is also known for its baseball history. The city has been the spring training home of the Toronto Blue Jays since 1977, and the team plays its home games at the Dunedin Stadium. The stadium was built in 1990 and has a seating capacity of 5,509.

In addition to its historical sites, Dunedin is also known for its beautiful beaches, parks, and marina. The city has several parks and nature preserves, including Hammock Park, which is home to over 200 species of birds. The marina offers a variety of water activities, including fishing and boating.

In recent years, the real estate market in Dunedin has seen steady growth, with a projected increase of 3.5% over the next year (2023). The real estate market in Dunedin is considered a seller’s market, with a low inventory of homes for sale and high demand from buyers.

One of the most sought-after neighborhoods in Dunedin is the Historic Downtown area. This neighborhood is known for its charming, tree-lined streets and historic homes. Many of the homes in this area were built in the 1920s and 1930s and have been beautifully restored. The Historic Downtown area is also home to a variety of shops, restaurants, and parks, making it a popular choice for both families and retirees.

Another popular neighborhood in Dunedin is the Waterfront area, which is located along the Gulf of Mexico. This neighborhood is known for its beautiful beaches and marina, as well as its high-end homes. Many of the homes in the Waterfront area have private docks and offer stunning views of the Gulf.

In conclusion, the real estate market in Dunedin has seen steady growth in recent years, making it a great investment opportunity. The Historic Downtown and Waterfront areas are particularly popular among buyers, offering a variety of properties from charming historic homes to high-end waterfront properties.