Luis RiveraRealtor® · Broker Associate
Buyer consultation · Doral / Miami-Dade
Your first home,
with strategy.
This is where strategy meets opportunity. Today we build your plan: clear numbers, real market data, and negotiation on your side.
Before we start
Who I am — and the team behind your purchase
I'm Luis Rivera, Realtor® and Broker Associate at Y Realty. I combine local market intelligence, strategic negotiation, and bilingual concierge service so you can buy with confidence — never rushed, never overwhelmed.
Certifications: CIPS · SRS · SRES · E-Pro · ABR · SFR
Your support from strategy through closing — communication, negotiation, and contract deadlines moving together.
Today in 20 minutes
What we'll cover
1 · The real market
What's happening in Miami-Dade TODAY with official data — and why single-family and condos are two different negotiations.
2 · Your numbers
Live calculator: monthly payment with taxes, insurance, and PMI split out, loan programs from 3% down, and the real cash to close.
3 · Your plan
Your OneHome portal direct from the MLS, your buyer type (30/90/180 days), and the next 3 concrete moves.
Data, not opinions · Miami-Dade · June 2026
More sales — but two very different negotiations
Source: MIAMI Association of Realtors, June 2026 report (published Jul 17, 2026).
Start with your life
Today we define your buying lane
What we'll decide
01 · Comfort zone
A comfortable monthly payment + a cash reserve that stays untouched.
02 · Buying lane
Financing + the property types competing for your money.
03 · Action plan
The exact next three moves, with dates.
Questions that shape the plan
- Why now? What's changing in your life?
- When? When do you want keys in hand?
- Monthly cap? What payment leaves breathing room?
- Cash reserve? How much stays untouched after closing?
- Top three? Which home features matter most?
What a renter doesn't get
Owning in Florida has real advantages
Tax savings
Mortgage interest is deductible on up to $750,000 of debt. Part of your monthly payment comes back as a tax benefit — most buyers underestimate it.
Save Our Homes
With homestead, your assessed value can rise max 3% per year — even if the market jumps 20%. Rent has no legal cap. That gap is your long-term savings.
Equity, not receipts
Every payment builds your equity. Rent builds someone else's. Let's see it now with YOUR numbers — not in theory.
Your numbers, live
Test the payment — not just the price
Estimated monthly payment
Planning illustration — not a loan quote. Your lender issues the official Loan Estimate.
How we use it: first you choose the monthly payment that leaves breathing room — then we work backward to price. Not the other way around.
Finance the plan
Choose the loan — and protect your cash
3% · Conventional
Conventional first-time programs (e.g., HomeOne) may allow 3% down for qualified buyers.
3.5% · FHA
FHA's minimum may be 3.5% for eligible borrowers and properties.
DPA · Assistance
Down payment assistance programs — the lender screens income, occupancy, location, and available funds.
Eligibility and costs change; your licensed lender determines the options. Sources: Freddie Mac (HomeOne), HUD (FHA), CFPB (Loan Estimate).
Your search tool
OneHome: your portal direct from the MLS
- Real-time data straight from the MLS — the same source I use, not third-party ads or stale listings.
- Instant alerts when something new hits your criteria — you get there before buyers waiting on public portals.
- Favorites and comments shared with me — you tag what interests you and I refine the search with that signal.
- Your info stays protected — on public portals your contact gets sold to multiple agents who pay for leads. Not here.
How we activate it today
At the end of this call I set up your search with the criteria we define (area, price, type, HOA). You get your OneHome invite by email, and starting tonight the MLS works for you.
The full map
One protected decision at a time
Pre-approval — your real buying power before seeing a single home.
Search + filter — OneHome + my per-property market analysis.
Offer + negotiation — price, protections, and certainty for the seller.
Protect — inspection, appraisal, title, financing, association.
Close — final walk-through, funds, keys in hand.
Your timeline can be fast or flexible. The sequence stays disciplined.
My invisible work
The costs you cannot see online
Real taxes + insurance
Taxes recalculated post-sale (without the prior owner's homestead) and the area's real insurance: roof, wind, and flood.
HOA / condo
Reserves, special assessments, litigation, and rental/resale rules. A building with weak finances affects financing, monthly cost, and resale.
Condition + permits
Systems and structure, plus work done without permits or approvals — what the listing doesn't tell you.
When we find THE home
A strong offer is only the beginning
Write the offer the seller can choose
- Price — comps, condition, and real competition.
- Protection — inspection, financing, and appraisal terms.
- Certainty — deposit, lender strength, and a flexible timeline.
After acceptance: protect your options
- Inspection — condition and defects.
- Appraisal — collateral value for the lender.
- Title / HOA — clean ownership and restrictions.
- Walk-through — agreed condition before closing.
Clarity before we tour
The buyer agreement: service, scope, and compensation in writing
What you receive
- A focused search + per-property market analysis.
- Offer strategy and negotiation support.
- Inspection, lender, title, and closing coordination.
- Clear communication and tracking of every contract deadline.
What we agree to in writing
- The services and type of relationship.
- The geographic or property scope.
- The agreement term and its exit provisions.
- The compensation and how it may be paid.
Let's define your plan
What type of buyer are you?
Buyer A · 30 days
Aggressive pace: pre-approval today, OneHome live tonight, showings this week.
Buyer B · 90 days
Strategic pace: we prep credit, down payment, and criteria — and enter the market with an edge.
Buyer C · 180 days
Preparation pace: a savings plan and OneHome market monitoring until your moment.
Your next three moves
Let's leave today with momentum
- 01 · Confirm financing — lender connection and verification of a comfortable payment + cash.
- 02 · Focus the search — areas, property types, and your top 3 priorities → OneHome activated.
- 03 · Prepare to tour — buyer agreement signed and a showing calendar.