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Selling Your Home vs. Renting in Orlando, Florida

July 30th, 2018 by tisner

selling your home vs renting in orlando fl

Accepting a new job, moving closer to aging parents, or looking for a fresh start, you’ve decided to relocate. You haven’t chosen a real estate agent to get your house sold, because you’re considering using your house for extra income as a rental.  There are pros and cons to becoming a landlord, so look through these tips to get you started on making the decision. 

  • You need to first look at the financial aspect of renting your house. 
  • Landlord’s insurance premiums may cost more than your homeowner’s insurance. Talk to your insurance agent about the differences in these policies. 
  • Do the math–if you have a loss after all your expenses (insurance, repairs, property taxes, etc.) are deducted from the rental payments, it’s a better idea to sell. 
  • If the money that a home sale would generate will help you buy a new place, by all means, sell. 
  • One factor to consider is that if your move is temporary–you know you’ll be returning in a few years, and it may be a good idea to lease while you’re away, so you won’t have to house hunt upon your return. 
  • Take into consideration that in larger areas, there may be times of a vacancy.  Can you handle the old mortgage and the new?  If not, put the house on the market. 
  • If there are improvements that need to be done to the home before you can sell it, and you’re not financially able to make them, then renting may be a good option.   
  • Keep in mind that most tenants will not care for your house like you, and, after moving, it could be at a great cost when you have to make the repairs.   
  • Things can happen, and you may get tenants that can’t pay the rent on time, or stop paying rent, and you’re stuck with the mortgage payment, as well as having to go through the eviction process.  
  • Do you really want to become a landlord?  Talk to a few people who are experienced in renting and leasing property, writing down questions to ask, and get their thoughts on the process. Experience is the best teacher. 

Renting or leasing your home is a big decision to make, especially if you know you may be coming back.  The stress of renting just might be greater than house-hunting when you move back.  Talk to other property managers in your area and look at your financial information before you make the final choice. When you decide to sell, call a trusted RealtorⓇ. 

Access Teri’s one-stop Orlando FL home search website.

Teri Isner is the team leader of Orlando Avenue Top Team and has been a Realtor for over 24 years. Teri has distinguished herself as a leader in the Orlando FL real estate market. Teri assists buyers looking for Orlando FL real estate for sale and aggressively markets Orlando FL homes for sale.

You deserve professional real estate service! You obtain the best results with Teri Isner plus you benefit from her marketing skills, experience and ability to network with other REALTORS®. Your job gets done pleasantly and efficiently.  You are able to make important decisions easily with fast, accurate information from Teri. The Orlando Avenue Top Team handles the details and follow-up that are important to the success of your transaction.

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Photo credit: sterlingpropertysolutions.com

Things To Do Orlando: Anime Festival Orlando

July 30th, 2018 by tisner

Things To Do Orlando: Anime Festival Orlando

August 3-5, 2018

Annual Convention for anime fans with a large dealer room, artist alley, cosplay events, panels, games and more!

AFO is a multi-day celebration of all things related to Japanese animation and pop culture held at the Wyndham Orlando Resort.

For the last 10 years, Anime Festival Orlando’s staff has crafted an original game called “Tales of Orlandia” after the success of the “Swords of Orlandia” trilogy. The game features an interactive RPG story for our attendees to voluntarily play during the weekend while enjoying the traditional fare offered at anime conventions.

Wyndham Orlando Resort
8001 International Drive

Event Website

Photo Credit: amimefestivalorlando.com

Access Teri’s one-stop Orlando FL home search website.

Teri Isner is the team leader of Orlando Avenue Top Team and has been a Realtor for over 24 years. Teri has distinguished herself as a leader in the Orlando FL real estate market. Teri assists buyers looking for Orlando FL real estate for sale and aggressively markets Orlando FL homes for sale.

You deserve professional real estate service! You obtain the best results with Teri Isner plus you benefit from her marketing skills, experience and ability to network with other REALTORS®. Your job gets done pleasantly and efficiently.  You are able to make important decisions easily with fast, accurate information from Teri. The Orlando Avenue Top Team handles the details and follow-up that are important to the success of your transaction.

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Before You Leave Town…

July 27th, 2018 by tisner

Along with all the planning of what you’re going to do and where you’re going to stay, consider this checklist to make you feel more comfortable while you’re away from home.

  • Ask a trusted friend to pick up your mail, newspaper and keep yard picked up to avoid an appearance of not being at home.
  • Stop your mail (USPS Hold Mail Service) and your newspaper.29938746-250.jpg
  • Don’t post about your trip on Facebook and other social media until you return; some burglars look for this type of announcement to schedule their activities.
  • Do notify police or neighborhood watch – especially if you’re going to be gone for more than just a few days. Let your monitoring service know when you’ll be gone and if someone will be checking on your home for you.
  • Light timers make it look like someone is home. Set multiple timers for various times to better simulate someone at home. There are plug-in modules for lights and appliances that would allow you to control them from your phone while your out of town.
  • Do unplug certain appliances – TV, computers, toaster ovens that use electricity even when they’re off and to protect them from power surges.
  • Don’t hide a key; burglars know exactly where to look for your key and it only takes them a moment to check under the mat, above the door, in the flower pot or in a fake rock.

These easy-to-handle suggestions may protect your belongings while you’re gone while adding a level of serenity to your trip.

Access Teri’s one-stop Orlando FL home search website.

Teri Isner is the team leader of Orlando Avenue Top Team and has been a Realtor for over 24 years. Teri has distinguished herself as a leader in the Orlando FL real estate market. Teri assists buyers looking for Orlando FL real estate for sale and aggressively markets Orlando FL homes for sale.

You deserve professional real estate service! You obtain the best results with Teri Isner plus you benefit from her marketing skills, experience and ability to network with other REALTORS®. Your job gets done pleasantly and efficiently.  You are able to make important decisions easily with fast, accurate information from Teri. The Orlando Avenue Top Team handles the details and follow-up that are important to the success of your transaction.

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Things To Do Orlando: Peru Independence Day Celebration

July 23rd, 2018 by tisner

Peru Independence Day Celebration

July 28, 2018

Orlando Museum of Art
2416 North Mills Ave.
Orlando, FL 32803

1:30 PM

The Orlando Museum of Art and the Raymi Dance Company will celebrate and share Peru Independence Day with the Central Florida community with film, dance and music.

The film, I Will Dance Again (Volvere a Bailar Por Ti), about a Peru Independence Day, features the dancing, music and rituals of the ethnic Aymara and Qechua people of the city of Puno.

Event Website

Following the film screening, the Baymi Dance Company will demonstrate four different typical dances from the cities of Cuzco, Lima, Puno and Trujillo.  An interactive dance class with the audience will conclude the event.

This event is FREE to the public!

Photo Credit: twitter.com

Access Teri’s one-stop Orlando FL home search website.

Teri Isner is the team leader of Orlando Avenue Top Team and has been a Realtor for over 24 years. Teri has distinguished herself as a leader in the Orlando FL real estate market. Teri assists buyers looking for Orlando FL real estate for sale and aggressively markets Orlando FL homes for sale.

You deserve professional real estate service! You obtain the best results with Teri Isner plus you benefit from her marketing skills, experience and ability to network with other REALTORS®. Your job gets done pleasantly and efficiently.  You are able to make important decisions easily with fast, accurate information from Teri. The Orlando Avenue Top Team handles the details and follow-up that are important to the success of your transaction.

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Owning Makes More Sense

July 20th, 2018 by tisner

When comparing the cost of owning a home to renting, there is more than the difference in house payment against the rent currently being paid. It very well could be lower than the rent but when you consider the other benefits, owning could be much lower than renting.31066694-250.jpg

Each mortgage payment has an amount that is used to pay down the principal which is building equity for the owner. Similarly, the home appreciates over time which also benefits the owner by increasing their equity.

There are additional expenses for owning a home that renters don’t have like repairs and possibly, a homeowner’s association. To get a clear picture, look at the following example of a $300,000 home with a 3.5% down payment on a 4.5%, 30-year mortgage.

net cost of housing.jpg

The total payment is $2,264 including principal, interest, property taxes, property and mortgage insurance. However, when you consider the monthly principal reduction, appreciation, maintenance and HOA, the net cost of housing is $1,218. It costs $1,282 more to rent at $2,500 a month than to own. In a year’s time, it would cost $15,000 more to rent than to own which is more than the down payment and closing costs to buy the home.

With normal amortization and 3% annual appreciation, the $10,500 down payment in this example turns into $112,00 in equity in seven years. Check out your own numbers using the Rent vs. Own or call me at (407) 467-5155. Owning a home makes sense and can be one of the best investments a person will ever make.

Access Teri’s one-stop Orlando FL home search website.

Teri Isner is the team leader of Orlando Avenue Top Team and has been a Realtor for over 24 years. Teri has distinguished herself as a leader in the Orlando FL real estate market. Teri assists buyers looking for Orlando FL real estate for sale and aggressively markets Orlando FL homes for sale.

You deserve professional real estate service! You obtain the best results with Teri Isner plus you benefit from her marketing skills, experience and ability to network with other REALTORS®. Your job gets done pleasantly and efficiently.  You are able to make important decisions easily with fast, accurate information from Teri. The Orlando Avenue Top Team handles the details and follow-up that are important to the success of your transaction.

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Summer Snacks with the Kids!

July 16th, 2018 by tisner

summer snacks with the kids

It’s Summer, and it’s hot. The most recent heat wave even had the folks in Vermont breaking a sweat!  If the kids are already saying “I’m bored,” or they’re getting cabin fever from having to stay inside in the air conditioning, make the fever go away with some fun, summertime snacks they’ll love helping create!   

  • Use small, sturdy paper cups and tongue depressors to make yummy popsicles out of any juice or fruity drink.  Place the cups on a tray, fill them with whatever juice you like, cover with strong plastic wrap, poke the tongue depressors through the plastic and into the cup, then put in the freezer for a few hours. Add a scoop of vanilla ice cream before pouring the liquid, and you’ll have a cool, creamy treat! 
  • The Seasoned mom has an easy-to-whip-up yogurt-based fruit dip recipe called Poolside Dip.  What a great way for the kids to get a good helping of fruit and calcium! 
  • Classic chocolate-covered banana pops are easy to make!  Cut firm ripe bananas in half, and peel. Push a popsicle stick about halfway in from the cut end, lay on a wax paper-covered cookie sheet, and freeze for at least one hour.  While you wait, prep some toppings:  chopped pistachios, toffee bits, or colored sprinkles. Pour hardening chocolate sauce like Magic Shell into a cup, and once the bananas are frozen firm, dip them in the sauce, then roll or dip in topping. Return them to the wax paper and freeze for a little longer.  
  • Make basil butter for extra tasty corn-on-the-cob: start by mincing a cup of fresh basil leaves, (if the older kids want to do that, supervise them closely!), and add the chopped leaves to a half cup of softened butter along with a pinch of salt.  Mix well and spread onto a warm ear of corn, and they won’t want plain buttered corn on the cob ever again! 
  • Melons are fresh and delicious this time of year, so let the kids use cookie cutters to cut sliced melon into fun-shaped snacks!  
  • It’s too hot to light the fire pit, so s’mores ice cream pops are what you need! Scoop softened marshmallow ice cream in small paper cups, add a popsicle stick, and freeze for an hour. Place some graham crackers in a plastic zipper bag, and have the kids crush them to pea-sized bits using a rolling pin or a heavy coffee mug. Paper cups can be peeled off the pops, and have the kids pour some chocolate hardening sauce over them, sprinkle with the graham cracker bits, let the chocolate set, and enjoy!   
  • Have a milkshake bar!  The Spruce has a great guide for making milkshakes of all kinds with a basic recipe and 18 different add-ins for a one-of-a-kind shake. 
  • Let’s not forget the fresh veggies that are in season:  slice some yellow and zucchini squash, bell peppers, cucumbers, and have the kids carefully put them on a skewer, adding some grape tomatoes.  Offer some cheesy dip or hummus, and the kids will devour these veggie kabobs! 

There are so many benefits to cooking together.  Taking the children shopping for fresh fruits and vegetables at the farmers market or harvesting in your garden help them understand where their food comes from.  Getting them to help with meals and snacks not only fights boredom, but encourages them to enjoy making the foods they eat, as well as developing an openness to trying new things.  And you never know–you may have a chef in the making! 

Access Teri’s one-stop Orlando FL home search website.

Teri Isner is the team leader of Orlando Avenue Top Team and has been a Realtor for over 24 years. Teri has distinguished herself as a leader in the Orlando FL real estate market. Teri assists buyers looking for Orlando FL real estate for sale and aggressively markets Orlando FL homes for sale.

You deserve professional real estate service! You obtain the best results with Teri Isner plus you benefit from her marketing skills, experience and ability to network with other REALTORS®. Your job gets done pleasantly and efficiently.  You are able to make important decisions easily with fast, accurate information from Teri. The Orlando Avenue Top Team handles the details and follow-up that are important to the success of your transaction.

Get Orlando Daily News delivered to your inbox! Subscribe here!

Photo credit: bestneighborsever.com

A Word Homeowners Need to Understand

July 13th, 2018 by tisner

Acquisition Debt is the amount of money borrowed used to buy, build or improve a principal residence or second home. Under the new tax law, mortgages taken after 12/14/17 are limited to a combination of $750,000 on the first and second homes. The mortgage interest on this debt is tax deductible when itemizing deductions.12844696-250.jpg

It is a dynamic number that is reduced with each payment as the unpaid balance goes down. The only way to increase acquisition debt is to borrow money to make capital improvements.

Prior to the new law, homeowners could additionally borrow up to $100,000 of home equity debt for any purpose and deduct the interest when itemizing deductions. Mortgage interest on home equity debt is no longer deductible unless it is for capital improvements.

Acquisition debt cannot be increased by refinancing. Some confusion occurs because mortgage lenders are concerned in making home loans that will be repaid according to the terms of the note and using the home as collateral. That does not include making a tax-deductible mortgage.

Another thing that adds confusion to the issue is that the lenders will annually report how much interest was paid in a year but only the amount that is attributable to acquisition debt is deductible.

Even if the interest on the cash-out refinance is not deductible, it may be advantageous to pay off higher interest debt such as credit card debt and replacing it with lower mortgage debt.

It is the responsibility of the taxpayer to know what part of their mortgage debt is deductible. The challenge becomes more difficult after a cash-out refinance. Homeowners should keep records of all financing and capital improvements and consult with their tax professional.

By: PatZaby.com

Access Teri’s one-stop Orlando FL home search website.

Teri Isner is the team leader of Orlando Avenue Top Team and has been a Realtor for over 24 years. Teri has distinguished herself as a leader in the Orlando FL real estate market. Teri assists buyers looking for Orlando FL real estate for sale and aggressively markets Orlando FL homes for sale.

You deserve professional real estate service! You obtain the best results with Teri Isner plus you benefit from her marketing skills, experience and ability to network with other REALTORS®. Your job gets done pleasantly and efficiently.  You are able to make important decisions easily with fast, accurate information from Teri. The Orlando Avenue Top Team handles the details and follow-up that are important to the success of your transaction.

Get Orlando Daily News delivered to your inbox! Subscribe here!

Windermere Florida Real Estate Market Report for June 2018

July 12th, 2018 by tisner

The Windermere Real Estate Market Trends Report shows the average sales price was $600,277 in June 2018 compared to $551,353 in June 2017. Homes were on the market for an average of 65 days, down from 73 days last year. Homes sold for 97% of the list price.

Windermere Florida Real Estate Market Report for June 2018

Access Teri’s one-stop Orlando FL home search website.

Teri Isner is the team leader of Orlando Avenue Top Team and has been a Realtor for over 24 years. Teri has distinguished herself as a leader in the Orlando FL real estate market. Teri assists buyers looking for Orlando FL real estate for sale and aggressively markets Orlando FL homes for sale.

You deserve professional real estate service! You obtain the best results with Teri Isner plus you benefit from her marketing skills, experience and ability to network with other REALTORS®. Your job gets done pleasantly and efficiently. You are able to make important decisions easily with fast, accurate information from Teri. The Orlando Avenue Top Team handles the details and follow-up that are important to the success of your transaction.

Get Orlando Daily News delivered to your inbox! Subscribe here!

Kissimmee Florida Real Estate Market Report for June 2018

July 12th, 2018 by tisner

The Kissimmee Real Estate Market Trends Report for 34741 shows 65 homes sold in June 2018 up from 63 in June 2017. The average sales price was $192,193 compared to $159,005 in June 2017 and homes were on the market an average of 29 days, down from 40 days in June 2017.

Kissimmee Florida Real Estate Market Report for June 2018

Access Teri’s one-stop Orlando FL home search website.

Teri Isner is the team leader of Orlando Avenue Top Team and has been a Realtor for over 24 years. Teri has distinguished herself as a leader in the Orlando FL real estate market. Teri assists buyers looking for Orlando FL real estate for sale and aggressively markets Orlando FL homes for sale.

You deserve professional real estate service! You obtain the best results with Teri Isner plus you benefit from her marketing skills, experience and ability to network with other REALTORS®. Your job gets done pleasantly and efficiently. You are able to make important decisions easily with fast, accurate information from Teri. The Orlando Avenue Top Team handles the details and follow-up that are important to the success of your transaction.

Get Orlando Daily News delivered to your inbox! Subscribe here!

Celebration Florida Real Estate Market Report for June 2018

July 12th, 2018 by tisner

The Celebration Real Estate Market Trends Report for 34747 shows 148 homes sold in June 2018 compared to 146 in June 2017. The average sales price was $335,025 compared to $304,972 in June 2017 and homes were on the market an average of 103 days, compared to 109 days in June 2017.

Celebration Florida Real Estate Market Report for June 2018

Access Teri’s one-stop Orlando FL home search website.

Teri Isner is the team leader of Orlando Avenue Top Team and has been a Realtor for over 24 years. Teri has distinguished herself as a leader in the Orlando FL real estate market. Teri assists buyers looking for Orlando FL real estate for sale and aggressively markets Orlando FL homes for sale.

You deserve professional real estate service! You obtain the best results with Teri Isner plus you benefit from her marketing skills, experience and ability to network with other REALTORS®. Your job gets done pleasantly and efficiently. You are able to make important decisions easily with fast, accurate information from Teri. The Orlando Avenue Top Team handles the details and follow-up that are important to the success of your transaction.

Get Orlando Daily News delivered to your inbox! Subscribe here!

Teri Isner, CIPS, CRS, GRI
Keller Williams At-The-Lakes
1170 Celebration Blvd
Suite 200
Celebration, Fl 34747

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