01
How Much Home Can You Actually Afford?
The 28/36 rule, PITI math, and the four inputs that decide your real price ceiling — not the inflated one a generic calculator spits out.
Home Buyer Resource Library
Decide for yourself.
We'll show the work.
Six plain-English walkthroughs of the questions every Central Florida buyer is Googling — each one linking you to the authoritative source (FEMA, HUD, Florida Housing, your county's GIS) so you can verify every number yourself.
No gated PDFs. No forms to unlock the content. Read, decide, and if you want a second opinion on a specific home — that's what Ryan's phone is for.
02
The Real Cost of Insuring a Florida Home
Florida's biggest surprise for out-of-state buyers. The four factors that move premiums, how to get a real quote in 24 hours, and when to walk away.
03
Every Down-Payment Assistance Program
Teachers, nurses, first-responders, military, and most Florida buyers under 150% AMI qualify for help — often up to $35,000 forgivable. Every program, every link.
04
Reading Orlando School Zones Like a Local
Two homes across the same street can zone to different schools — and resell for $80k apart. How to verify before you offer, plus the zones that command a premium.
05
How to Check a Flood Zone (and What It Costs)
A 10-minute walkthrough: pull the FEMA map, cross-check county GIS, get a real NFIP quote, and decide if a zone is a dealbreaker or a rounding error.
Authoritative sources
Read the full guide06
Rent or Buy — The 5-Minute Decision
The four-question test that decides it honestly. No cheerleading for either side — just the math, plus the tools to run the numbers yourself.
Authoritative sources
Read the full guideRun the numbers yourself
Tools, loaded with real Central Florida data.
Every calculator here is pre-populated with Orange County tax rates, realistic Florida insurance ranges, and local HOA averages — so you're not fighting generic defaults.
Mortgage Calculator
Loaded with real Central Florida tax & insurance numbers.
Open →Closing Cost Estimator
Line-item breakdown of what a buyer pays at the table.
Open →Rent vs. Buy
The 5-year wealth comparison, pre-populated for Orlando.
Open →Sold Map
See what actually closed in any Central Florida ZIP.
Open →When you want a second opinion
Send me the address. I'll do the homework.
Flood zone, insurance ballpark, school zone, HOA rules, rezoning watchlist, comparable sales — I'll pull it all and send back an honest read before you tour. No pressure, no pitch.
Prefer the deep dive? Request the 16-page Orlando Buyer Guide.