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Florida First-Time Homebuyer Checklist ✅

Florida First-Time Homebuyer Checklist ✅ Buying your first home in Florida can feel like juggling paperwork, numbers, and emotions all at once. A checklist helps keep it simple. Here’s a step-by-step guide tailored to our state: Before You Start House Hunting 📊 Check your credit score – Most lenders want to see at least 620 for conventional or FHA loans ( newamericanfunding.com ). 💳 Lower your debt-to-income ratio – Paying down student loans, credit cards, or auto loans can improve approval chances ( sccu.com ). 💰 Save for upfront costs – In Florida, plan for a down payment plus 2–5% of the home price for closing costs ( midflorida.com ). 🔎 Look into assistance programs – The Florida Housing Finance Corporation offers down payment help, and counties may have additional grants ( makefloridayourhome.com ). 🏦 Get pre-approved – This shows sellers you’re serious and gives you a real budget to work with. While Searching for Homes 📍 Prioritize location – Beyond commute and s...
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  How to Start an Airbnb in Marion County, Florida Marion County isn’t just horse country—it’s also becoming a hot spot for short-term rentals. Between Ocala’s equestrian events, sparkling springs, and peaceful rural escapes, more travelers are booking Airbnbs here than ever before. If you’re thinking about turning your property into one, here’s how to set it up the right way. Step 1: Know the Rules In Florida, any property rented for less than 30 days more than three times a year is considered a vacation rental . That means you’ll need a license through the Florida Department of Business & Professional Regulation (DBPR). 👉 DBPR Vacation Rental Licensing Guide Step 2: Check Local Requirements Florida sets the statewide standard, but counties and cities can add their own layers: Tourist Development Tax : Marion County charges a 4% tax on rentals of six months or less. You’ll need to register with the county to collect and remit it. Zoning : Not every neighb...
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