ESEN
Tool
Principal, interest, property tax, insurance, HOA and mortgage insurance. The defaults are typical for Miami-Dade County.
You get the full breakdown and, with it, real listings that fit this monthly payment. Free and with no obligation.
Total interest over the loan: —
Homestead exemption. If this will be your primary residence in Florida, the homestead exemption reduces the taxable base by up to $50,000 and caps how much the assessment can rise each year. It can cut several hundred dollars a month off the tax.
Insurance is the line item that surprises people. In Miami-Dade it depends on the age of the roof, the flood zone and how close you are to the coast. A roof older than fifteen years can double the premium, and a flood zone requires a separate policy.
In condos, ask about special assessments. Since the 2022 structural inspection law, many associations approved assessments that do not show up in the published monthly fee.
Tool
You see the estimated value on screen and we email you the report with the range, the estimated rent and comparable homes for sale in your area.
What you get. The sale value range, the estimated monthly rent if you wanted to lease it, and the comparable active listings in your ZIP code — the same ones a buyer sees when searching the MLS.
An automated estimate is not an appraisal. It does not walk through your house, and it does not see the remodeled kitchen or the new roof. It tells you what range you are in before making a decision; the list price is set by seeing the property.
Your information is never sold or shared. Luma International Realty uses it to send you the report and to follow up if you ask us to.
How I work
Luma International Realty is an independent brokerage in Miami. I represent one side at a time, so there is never a question about whose side I am on.
I represent you, not the seller. I search the entire MLS, review comparables before you make an offer, negotiate price and repairs, and stay with you through closing.
I filter down to what is actually available, coordinate the showings, and review the lease before you sign. In South Florida the rental market moves in days, not weeks.
A list price built on real comparables, photography and staging, exposure on the MLS and the portals, and offer management until you pick the best one, not just the highest.
Numbers before emotion: projected rent, association dues, property tax, insurance and the cash flow left over. Residential, multifamily and commercial across Miami-Dade, Broward and Palm Beach.
Who you work with
Designated Broker of Luma International Realty, in Miami. Member of the MIAMI Association of REALTORS®. I work in English and Spanish, and publish every week about the South Florida market.
Luma International Realty, LLC
Designated Broker · Miami, Florida · Member of the MIAMI Association of REALTORS®