Modern Style Brand-New #House BELOW $300K + Closing Costs in #Ocala #florida

Around 10,000 is what I needed to buy this property with

modern

and elegant finishes and also for the old timers, two padons and the best part is that the builder is providing some

closing

costs

. This is Margie CA, my dear family. Welcome to our new tour, hello. Hello everyone, welcome to a new tour, my name is Amari Caldera and if this is your first time on this channel, welcome, welcome, my mission is to show you all the new construction projects, incentives, communities, real estate education and some recount opportunities, so if this sounds familiar to you. Like you, I'm really interested in real estate, so be sure to subscribe and comment to get more leads like this every week.

Okay, my dear family, in today's video. I'm in Mario Oaks Okala, Florida and the reason I'm still stuck on this. The location is because there are still good opportunities in the market for properties under 300,000, as this

house

behind me has some

closing

costs

and incentives that you may miss out on and it is also really functional because it has four bedrooms, two bedrooms, we are talking about 1,630 square feet with 0.23 acres. Loot a really good and nice space not to mention you have no associations here, no HOA or CDD on the location so you know pretty much in all my videos.

I explain that we are 1 hour and 10 minutes away, okay, 5 minutes depending on Orlando traffic. we are also 1 hour 20 30 minutes from Tampa we are only 20 minutes from the center of world equation all downtown Okala ajca Maran hospital is only 18 minutes from shopping distance we are communing with the wind Dixon Aldi is coming soon Wawa also coming soon There are many retail options and shopping centers coming particularly to Okala and Marion Oaks because it is the fastest growing community and lastly we are only 8 minutes from 484 take the straight to 175 and go almost everywhere from the highway, okay? Inside, I just wanted to show you the exteriors of this property, which of course we have the two car garage inside plus the extended driveway where you can separate up to four cards outside and I just wanted to show you that even though this property is under 300,000 we have a nice and linda fra right here, so we have this kind of gter here with really H plants, also the combination that we have the two points, we also have the fully motorized entrance door, okay, we have the absent glasses here with the kead inside. this section, so now my dear family let's enter to enjoy this tour.

Okay, okay family, now we're inside this little baby. Okay, as soon as we enter this property, the area that will greet us immediately is the living room, so we are talking about the open L open concept in this particular property, this will be my living room, as you can see, we have an Ino window on my left side, of course, with the screen protection, this is not the normal um window, it's actually more. a higher level and the quality and the way it looks so that's what I wanted to bring this other model just to see the difference in the little details that you can do on your own or you can pay just to immediately move it to this one. property sep, okay, so this will be my area.

You can see how wide it is. You have the configuration from the points of sale and the entertainment area in this section. Then straight at me, okay, I've got two on the left side, a door that's going to connect. Me with the first guest bedroom, okay this guest bedroom will have the same type of finishes as the rest of the

house

, as you can see we have bright colors and then the whole property will be a single window facing the front of the house property. We're talking accordion doors for my closet, so it's a big imported closet, as you can see, right next to each other, and we have the previous doors on the top of the ceiling in case you want to bring the fence in from the ceiling too.

If you're following me, that's fine, I just wanted to show you that we have those hardwood doors here to match the

style

of the property. Remember that this property has another feature with those elegant details, so those small minor details are the most important thing is that on my left side of this other section, which contains two guest bedrooms and one of them is a fish bathroom, okay, here we are talking about the same type of space, the closet will have the same finishes and dimensions and finally, it is important to tell you that the entire property has a Forlan viny luure throughout the house, this will be resistant to scratches and water, okay, now if we continue walking in the same flow to my right side, I have the entrance to the shared bedroom, okay.

This Shar room is really beautiful from my point of view you still have all the handles and dark colors okay what we have here on the doors we have the whole section on my top b with the ceramic all over the top and I'll do it. I tell them that we are talking now about 2024, those are the colors that define luxury and Moorish, it will be like a white and dark brown color, something like that and those grays are at the top of the trends right now, so then we change to my vanity, okay this vanity comes with a sink but it is more than enough for this particular location, we have the motor faucet, we have the same type of

style

for the mirror and lastly we have a nicer space for the cabinets, now leaving out the area and I'm almost done with this section, now we are entering my third guest bedroom and let me tell you something, this is a little bigger, okay, the finishes are the same, what changes is the window layout, but the rest of the room is exactly the same as the other two, okay, and now I exit this section and return to my connection point.

Now we're in this kind of environment that, like I told you, is open and set up with bright colors and natural light all the way down. They feel in a nice and good space, like a bigger space. Also here, guys, you can feel like you arrange your dining section, okay, this will be the part of your dining section that can fit up to three or four, even five or six places. in this area, so if I keep walking directly towards me, okay, I have the area even from your chest. Noe, okay, you can do a little setup here from your chest.

Noe, we have the big island, it's fine here with the Granny countertop all the way down. You can even make more three or four spots here so your breakfast bar connects with the people who are actually in the kitchen. I enjoy the fact that this is a simple island, so the chef in your family can definitely enjoy this island to prepare anything. type of pasta bread is amazing, then you also have the Lighting pendant in this section, which gives me a brighter color. Well, we also have the pantry section at the end. Well, it's not a huge pantry, but it's not small either. a decent space, we have the white pantry right here with four sections for my divisions in this ter.

Okay, important to tell you that this property comes with all

modern

style appliances. We have full side cooler, uh, with extended warranty from the fabric as well. I have this washing machine right in front of me, okay, we have the microwave and this here and you can appreciate the

brand

names with good reviews, of course, so it will ensure that you have the top of the line appliances, not to mention, of course , that. We have 42 large cabinets here in the entire section, so you have a good amount of space in terms of cabinets as well. Well, we also have a soft touch, as you can see, there are even more sections here, nicer and with nicer storage space for all that.

You need okay, I'm almost done with this section and the other side completely in front of the house. I have a hallway next to me that will contain my two-car garage, laundry room, and great room, so let's jump right into my first one. door on the left side which is the two car garage, okay, it's a little dark here, okay, but you can see we have the garage opener at the top of the section. We also have the water heater here,

brand

new, 50 gallon capacity. new electrical panel, everything perfect and organized now coming out of the two car garage in this same section on my right side, I have the entrance and then to the laundry room, okay, this laundry room here comes with a good configuration because we have the hooks to machine wash and dry, it's okay and we also have the wraps on top, we have here this type of wraps, but you can make another one, but I will tell you that we have a nice space here and I also like the fact that I don't have no other like the ones here in some cases, so you will have even more space to do everything you need for me, in particular, it can fit here as a sink which I always appreciate in all laundry rooms, of course it has a private lie and private doors in this section, okay, and now immediately on my right side I have the entrance to my main Rune, okay, this main track has everything you need because first you have the bathroom on the street and the dressing room completely aside.

I know some of you. They really enjoy the fact that they have their own privacy when it comes to similar changes, having their clothes completely next to the master bedroom, so we're still in the same kind of flow, the same floor, the same sofa and overhead lighting yet it is pre-wired in case you want to bring your ceiling fan, immediately to the left side. I want to go into my dressing room, guys, so it's a good, nice, decent space, pretty big, bright colors. Right here they can do something like this you can upgrade if you want it's totally up to you, but you have a decent space to yourself and then completely at the end, okay, towards the left side, okay, now I have the entrance of my guys from Al Sweet Bath, this Al Sweet Bath is another little drink.

It comes true I feel like I am in an attractive property although it is not a very expensive house we are talking about a house under 300,000 with a good square foot space here we have the same finishes for the other bathroom but this is the largest Of course, it is the master bedroom. Well, here we have the side completely with glass shower doors. You can see here. The only nightmare and I'll be honest with you is keeping it clean, but other than that, it looks pretty stylish in this one. section and this is the focal point of this property, we also have the same ceramic tiles throughout the section, good and nice details and finishes, now here we have the Granny Contour countertops.

I really love and enjoy those dark and white color combinations okay and then the faucet is also double sink we have the mirror exactly the same as the uh share magag and lastly the last part and not the least is also having its own storage in The C Spates now let's go to the backyard to see how much we have in that area and how we can play with your creativity in 0.23 ACR L without associations. Okay, last but not least is the bager, the area where you can build a pool. Okay, a private pool, just make a play area here for your kids.

Even plant some fruit trees because why not remember that you are sitting on an association free 0.20 acre L? Well, we are talking about water here Q. Well, my dear family, we are talking about a septic tank which is very difficult to escape from here. Okala, Florida, let me tell you the truth, if you are not looking for associations, you should go with builders like this and they have 100% of the time a system that is fine now in terms of the exterior features of the property that we have. we only have a cre block and then we have tiles on the roof, remember you can make any type of fans here, you can make PVC, you can make a wooden fence in this section, whatever is best and most convenient for you, you can do it , it's okay, dear. family, let's jump in to take a look at the numbers and see how much money you need to purchase this sleek, modern property with no CDD or HOA, four functional and powered rooms at the same time and, the best part, with the nice incentives that the builder you are paying the closing cost, ok dear beautiful family, we finish with another tour here at Okala M Oak, specifically remember we are talking about four bedrooms, two bedrooms, 1,630 square feet, two car garage, lots of space in the backyard and the best.

In part, the builder is providing 4,000 in closing costs. Well, the asking price for this property is 296,000, just under 300, which is a good and good product for this location. Okay, now family, we're going to talk about how you can purchase this property if you qualify with an FHA loan, which is the lowest down payment for a primary resident, unless you have a loan with a 3.5% down payment. . You will need 10.3 $91 to purchase this property. Remember that you will still have to pay some closing costs, but at 4,000, the Builder isprovided, you'll probably have to bring half of that, so your scenario will be $1,717 for your principal and interest 246 in property taxes because we're paying 1% in taxes, which is about $2,960 for a year, although you can make the exception homeowners insurance set out in Homest.

I always average $83 a month, you can buy R and look for more and less, then you have primary insurance at PMI of $450 per month with a 6% interest rate in the regular market on your mortgage. The monthly payment will be $2,197 to purchase this property in the current market. Now your situation will change if you can qualify with an FHA and then you have the ability to qualify with a conventional loan and with that program you will also qualify as a primary resident. but with a 5% down payment you are fine and in that case you will need to make $1,845 to purchase this property and still have the 4,000 in closing cost.

Your breakdown, an average breakdown for your mortgage money payment will be $1,782 for principal and interest, same property taxes, $246. $83 in homeowners insurance $0 in HOA $120 in PMI and also your interest rate will be a little higher because with the FHA you know that it is a government loan it has more advantages than a conventional one you will still pay $2,233 per month on this property if Is the case Do you have your main resident in another state or do you simply want to come to Florida during the winter season or from time to time because you have a family and you like this environment or simply as an investment you have the opportunity to buy this property with an initial payment of 10 or 20% as long as you live in the United States if you are outside the country for investors outside the country you still have the opportunity to buy but your down payment will be more than 20% of the down payment but let's say you want to buy this property as your second home or vacation home, then your down payment will be approximately 29,000 30,000 to purchase this property yet. you had to pay BMI, but if you want to avoid it at all, you don't want to pay additional primary mortgage insurance, so you had to bring 20,000 on your down payment, okay, no PMI, no aoy, so your breakdown will be $1,580 for your principal and interest 246 property taxes $83 homeowners insurance $0 on HOA $0 on mortgage insurance your interest rate will be a little higher, that's okay, because we are talking about investment or vacation properties H , you will not be your primary resident, but you will still have to pay $1,910 per month if you want to get this property with 20% down now for my dear veteran in USD loans, you can buy this property with 0% down and $0 and their PMI is one of the best programs out there. and then the good thing about this is that you will still have the 4,000 buer ancen so you can buy this property with as little as 5,000 which is amazing and those are conditions so of course your main interest will be a little bit higher. we are talking about 780 per month $246, the same amount for all types of programs and property taxes $83 and how insurance $0 in HOA and PMI.

The good thing about this is that we still have six% because again it's going to be a government loan, okay and then your monthly mortgage payment is going to be $2,110 a month to purchase these properties. I would love to explain all the strategies I use to guide my clients and guide my buyers and sellers to adopt the best strategy. the current market, but obviously this is not like a podcast to talk about that, if you have any questions or concerns about whether I can buy or I'm still paying too much in rent and I don't have any assets for myself or my family. so you can call me, okay, you can call me, schedule an appointment for me and I'll be one on one talking about the different options that you can have.

There are so many people thinking that they can qualify and buy a property. is it something that is only for rich people or just has that mentality that you have to be rented forever so let me tell you for that buyer there are so many options and opportunities right now so don't give it to Bob, call me if you need anything and I will select the best options, the best deal, the best protection and the best incentives on the market. Thank you so much for staying with me for another tour for all my sellers in South Florida.

The information is there, at your fingertips. Please contact me and I will help you make the best transaction from South Florida to Central Florida and any other questions or comments, I always appreciate all your feedback so please send anything you need here or in my card at the link. Ok, see you in the next video, my dear family, Chia Chow.