We've made this our home.
Want a cash flowing rental property in Southwest Florida? We're here to help.
Short Story: Hi, we're Danny & Daniela Kovacs. Since 2019, we've been going to Florida for vacations. After my father's passing in 2021, we reassessed our future and lifestyle, especially with our boys growing up so fast. With remote work opportunities, a hot housing market, and several doors that we saw opened after prayer and reflection, we seized the opportunity. By summer of 2022, we owned a rental condo northeast of Naples and a house in Ave Maria. We moved one day after Hurricane Ian landed (feel free to ask!).
The Problem: Like us, many individuals and families think about moving to or investing in Florida, but they don't know how to get started. There are so many things to consider: Where should I buy? How is the cost of living? Are there lots of bugs in the summer? What is the housing market like? Who will take care of the property? The list goes on. The cycle usually continues, especially when winter hits, but with no plan in place, they don't get much past wishful thinking.
Solution: After reflecting on our own experience and considering the challenges we had to face, we've put together a guide that addresses some of the key topics you might be thinking about, beginning with location. We recommend Ave Maria (in SWFL), where we currently live. We have a list of data-backed reasons why you should invest here and lots to share, so we started with this simple guide to fill you in on the essentials (and save you lots of time!).
The Problem: Like us, many individuals and families think about moving to or investing in Florida, but they don't know how to get started. There are so many things to consider: Where should I buy? How is the cost of living? Are there lots of bugs in the summer? What is the housing market like? Who will take care of the property? The list goes on. The cycle usually continues, especially when winter hits, but with no plan in place, they don't get much past wishful thinking.
Solution: After reflecting on our own experience and considering the challenges we had to face, we've put together a guide that addresses some of the key topics you might be thinking about, beginning with location. We recommend Ave Maria (in SWFL), where we currently live. We have a list of data-backed reasons why you should invest here and lots to share, so we started with this simple guide to fill you in on the essentials (and save you lots of time!).
IDEAL CLIENT PROFILE
THIS GUIDE IS FOR:
1) Individuals, couples, or investors wanting to purchase a rental house/condo in Ave Maria, FL (or Naples), who are
2) financially prepared to do so (liquid assets of $50k+) within 6 to 12 months, and
3) want to partner with us to help with the search/purchase process and ongoing property management.
2) financially prepared to do so (liquid assets of $50k+) within 6 to 12 months, and
3) want to partner with us to help with the search/purchase process and ongoing property management.
STREAMLINED PURCHASE CRITERIA:
1) You have a good credit score (700+); Even if it's below that number, you may still be approved for financing (if you are not paying all cash). The minimum credit score needed for most mortgages is typically around 620 (Source: US Bank).
2) If financing, you have at least 20% for a down payment. You can determine the amount needed based on the purchase price of the property (Example: Price = $400k, Down payment = $80k).
3) You have steady, sufficient, and verifiable income. Steady: Going back at least 2 years; Sufficient: Enough to satisfy a favorable Debt-to-Income ratio; Verifiable: Pay stubs, bank statements, tax returns and financial statements (whether you are a W2 employee or self-employed). If self employed, HERE is a link to some useful information.
2) If financing, you have at least 20% for a down payment. You can determine the amount needed based on the purchase price of the property (Example: Price = $400k, Down payment = $80k).
3) You have steady, sufficient, and verifiable income. Steady: Going back at least 2 years; Sufficient: Enough to satisfy a favorable Debt-to-Income ratio; Verifiable: Pay stubs, bank statements, tax returns and financial statements (whether you are a W2 employee or self-employed). If self employed, HERE is a link to some useful information.
Award-winning, Master Planned Community - Ave Maria, FL (Towncircle)
YOUR TIMING
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AREA EXPERTISE
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PERSONAL ADVICE
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Shown: The National Golf & Country Club | Ave Maria
YOU + US = TEAMWORK
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Daniela Kovacs (aka 'Ella')
"I call this a modern village. It's similar to how I grew up in Romania. Now our boys get to experience it." Danny Kovacs (aka 'Danny')
"When I drive back home from the hustle and bustle of Naples, I feel relaxed, like I'm in a resort town." |
Somewhere on the backroads in Ave Maria, in our '84 CJ7
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1. Meet & Connect
2. Discuss Goals & Options
3. Agree on a Path Forward
Shown: Bike ride during a sunset in Ave Maria
START TODAY
Disclaimer (Good to Know)
We are investment advocates based in Southwest Florida, dedicated to providing specialized local expertise, guidance, and property management support to investors. It is important to note that while we offer valuable insights and assistance throughout the purchase process, we are not (yet) licensed realtors. Our consulting services do not require realtor licensure, and we operate within the bounds of the law governing investment advocacy. Please be aware that our role is distinct from that of licensed real estate professionals. For any real estate transactions, we recommend consulting with a licensed realtor or appropriate legal professionals.
Follow us on Instagram to get a sense of the lifestyle in Ave.
@alarpreneur or @ellas.moments
UsORDER the BOOK
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