Comprehensive Guide for Real Estate Agents: Mastering the Latest Mortgage Market Changes in Southwest Florida

As a lender, I know it can sound a little salesy when I say, “ Now is a good time to buy. ” But here’s the thing—I'm putting my money where my mouth is. I’m actively buying an investment property in Southwest Florida right now, and I want to walk you through exactly how I’m making it work, even with higher interest rates and tighter cash flow. This isn’t just theory—it’s a real deal happening in Bonita Springs and moving into the broader Naples, Fort Myers, Estero, and Port Charlotte markets. Step 1: Selling With a 1031 Exchange to Avoid Capital Gains I’m selling one of my current properties to the City of Bonita Springs. Instead of paying a large capital gains tax bill, I’m using a 1031 exchange. Here’s how it works: The profit from my sale doesn’t go directly into my account. It goes to a qualified intermediary (a neutral third party who holds the funds). That money is then rolled directly into another property. By doing this, I legally avoid paying capital gains taxes right now. Instead, all of that profit is reinvested into my next property—giving me more buying power. Step 2: Buying a Short-Term Rental in SWFL The replacement property I’m buying is set up for short-term rental (Airbnb/VRBO). Why? Because Naples, Fort Myers, Estero, Bonita Springs, and Port Charlotte are all hot spots for seasonal visitors and snowbirds. Short-term rentals can generate significantly higher returns than traditional long-term rentals—especially during peak tourist months. Step 3: Using a Cost Segregation Analysis for Tax Savings Here’s where the real power of real estate comes in: tax strategy . After closing on the property, I’m doing a Cost Segregation Analysis (Cost Seg). This breaks down the property into different categories (land, building, fixtures, etc.) and assigns different depreciation timelines. Instead of waiting 27.5 years to write off the building’s value, a Cost Seg allows me to: Accelerate depreciation on certain parts of the home. Take bonus depreciation in the first year. Create massive upfront tax savings. In my case, that means over $100,000 in tax deductions that I can apply against my income this year. Step 4: Why This Works Even If Cash Flow Is Tight Yes, interest rates are higher. Yes, rents have softened in some areas. But the math still works. Here’s why: No Capital Gains Taxes – The 1031 exchange keeps my money working for me. Huge Tax Write-Offs – The Cost Segregation creates immediate six-figure tax savings. Cash Flow Potential – Even conservative rental projections show positive income. When you combine these, it’s clear why buying an investment property in Southwest Florida still makes sense. The Big Picture Real estate isn’t just about appreciation or monthly rent—it’s about leverage and tax advantages. Stocks can grow, but they don’t let you defer taxes with a 1031. Bonds can create income, but they don’t allow six-figure depreciation write-offs. Real estate, especially in strong markets like Naples, Fort Myers, Estero, Bonita Springs, and Port Charlotte—offers multiple ways to grow wealth. That’s why I’m buying right now, and why many of my clients are too. Final Thoughts If you’re considering an investment property in SWFL, make sure your lender and realtor understand these strategies. Most people focus only on rates and prices, but the real power comes from: Structuring the deal correctly. Leveraging tax laws like the 1031 exchange. Using advanced tools like Cost Segregation. Even in today’s market, the opportunities are huge—if you know how to play the game. 👉 Thinking about buying or investing in Naples, Fort Myers, Estero, Bonita Springs, or Port Charlotte? Let’s run the numbers and see if real estate makes sense for you too.

The Cost of Missed Opportunities A few months back, we did a deep dive into our pipeline. What we found was painful: CRM notes that were cryptic and useless (“Hail Mary, call in a month” or “check and see”). Follow-ups that slipped through the cracks. Clients who had moved on with another lender while we were still fumbling with notes. Here’s the kicker: when we added up the deals that slipped away, it totaled $141,000 in lost revenue… in one month . In the old world, the solution would’ve been obvious: hire more people. But with recruiting costs averaging $6,200 per hire (and the churn that comes with it), we knew that wasn’t scalable. So we asked a better question: what if AI could do the work of three extra assistants — without the salaries, the training, and the turnover? The AI-First Shift Instead of defaulting to “hire more people,” we flipped the script: AI First: Can this task be handled by ChatGPT or another AI tool? AI + VA: If not fully automated, can a virtual assistant leverage AI to complete it? VA: If still not possible, a VA handles it directly. Team: Only then does it land on a team member’s plate. That one mindset shift doubled our production in just a few months. Today, 85% of our loans close early (not just on time). Personalizing ChatGPT Here’s the #1 mistake people make with ChatGPT: they don’t personalize it. When you skip this, the output sounds robotic and “not like you.” When you take 15–20 minutes to feed ChatGPT your tone, your market, your compliance rules, even your hobbies… it starts writing and thinking like you . We built A Master Prompt to guide all outputs. An Output Prompt to standardize formatting. Dedicated Projects (folders) with all the context needed for compliance, marketing, listing descriptions, or internal communication. Pro Tips That Make ChatGPT Smarter We teach our teams to “stack the deck” with every prompt. Four quick additions make answers dramatically better: “Think step by step.” Forces GPT to slow down and reason. “Be thorough.” Encourages depth, not just quick replies. “Take your time.” Tells it to expand thinking. “It’s critical you get this right.” (No need to threaten violence, even if Brooklyn Ed still does sometimes 😆). Features Most People Aren’t Using (Yet) Branches: Split one conversation into two different directions without losing context. Thinking Mode: Extend GPT’s processing time for deeper, more strategic answers. Connectors: Link ChatGPT to Google Drive, Outlook, Gmail, or your CRM to pull, search, and act on data. Rube (Zapier for GPT): Connect multiple apps so GPT can grab from your CRM, draft the client email, and send it — without you lifting a finger. Projects: Store context (team profiles, compliance rules, client preferences) so every new chat has built-in intelligence. The Power of Custom GPTs Generic ChatGPT is good. Custom GPTs are game-changers . Here are a few we run daily: Conversation Converter GPT: Call transcripts → CRM notes, client emails, realtor updates. Coffee Is for Closers GPT: Reviews sales calls, grades scripts, and gives feedback. The Matrix GPT: Master underwriting assistant — thousands of guidelines uploaded, answers in seconds. Family Office GPT: Holistic advice across mortgages, taxes, 1031 exchanges, cost segregation, and retirement planning. Autopilot GPT: Automates client journey steps with standardized scripts. Pipeline Manager GPT: Converts meeting transcripts into “who does what” action lists. Swipe Right GPT : Scores realtors by volume, niche, and content to find top partners. Each one saves us hours per week and captures business we used to miss. Deep Research Mode Yes, waiting 7 minutes for ChatGPT feels weird. But Deep Research Mode is like getting PhD-level analysis instead of a Google skim. We’ve used it to: Prepare smarter engineering questions for a client's property issue. Scan top YouTube real estate accounts and reverse-engineer what’s working. Build market-entry strategies for relocating buyers from NYC. If you’ve ever said, “I don’t have time to research that,” Deep Research is your new best friend. AI + DISC Profiles = Sales Superpower We feed transcripts into ChatGPT, and it identifies the client’s DISC personality profile. Then it rewrites scripts, texts, and emails in their style — not ours. That means: Analytical clients get data-driven emails. Social buyers get warm, casual texts. Direct drivers get concise, bottom-line responses. This isn’t just automation. It’s personalization at scale. Why AI + VAs = The Ultimate Combo AI can’t (yet) do everything. But when paired with a Virtual Assistant , the game changes. VA runs transcripts through the Conversation Converter GPT. VA manages uploads into Projects (like compliance docs or marketing rules). AI handles 80% of the work, VA handles the exceptions. The result: fewer hires, lower costs, and more focus on actual money-making activities. The Big Shift Here’s the truth: Pre-AI, we would’ve hired more people and swallowed higher payroll costs. Post-AI, we’re producing more, closing faster, and spending less. The key is building a system where AI handles the repetitive, VA handles the setup, and you handle the relationships. Final Thoughts AI isn’t replacing mortgage pros or realtors. It’s replacing the busywork that keeps you from doing the part of the business only you can do: building trust, guiding clients, and closing deals. And when you add it up, $20/month for ChatGPT Plus might be the highest-ROI investment in your entire business. About the Authors – The AI Mortgage Guys Edgardo Balentine Producing Manager | NMLS #1432920 📧 Edgardo@TeamFQ.com | 📞 239.244.5871 🌐 TeamFQ.com Scott DiGregorio Producing Manager | NMLS #1302451 📧 Scott@TeamFQ.com | 📞 239.910.6040 🌐 TeamFQ.com Want help building your AI-powered mortgage or real estate workflow? 👉 Contact The AI Mortgage Guys and let’s set up your first custom GPT.

Artificial intelligence (AI) is changing the way real estate and mortgage professionals work. In markets like Naples, Fort Myers, Estero, and across Southwest Florida (SWFL), those who adopt AI tools such as ChatGPT are finding themselves ahead of the curve. From reducing repetitive tasks to improving client communication, AI is quickly becoming the competitive advantage every Realtor and Lender needs. Why AI Matters in Real Estate & Lending The real estate industry thrives on speed, accuracy, and relationships. Realtors and lenders who embrace AI are no longer asking “Can AI do this?” but instead “How can AI help me do this faster, cheaper, and better?” Key Benefits for SWFL Professionals: Clean CRM Notes – AI organizes conversations into clear, professional client notes. Consistent Follow-Ups – Automated responses ensure no lead is forgotten. Streamlined Onboarding – Teams can quickly train new hires and clients with AI-driven tools. Faster Product Research – AI identifies the right loan programs for complex client profiles. Meeting Summaries – Every team meeting translates into actionable next steps. These improvements don’t just save time—they create more opportunities to close deals. Real Results in Naples & Fort Myers At Premier Plus Realty, lenders using AI in their Fort Myers and Estero offices have doubled production in a tough market. They report that 85% of loans are closing early, client satisfaction is up, and their team spends more time building relationships instead of battling inefficiencies. Practical AI Tools Realtors & Lenders Can Use Instead of chasing “shiny objects,” these professionals focused on seven custom GPTs that directly impact revenue: Conversation Converter – Transcribes calls, updates CRM, and creates follow-up emails/texts. Coffees for Closers – A built-in sales coach that evaluates conversations and suggests improvements. Underwriter GPT – A knowledge base with guidelines for all loan types, including DSCR and bank-statement loans. Family Office GPT – Helps clients uncover tax strategies such as cost segregation and bonus depreciation. Perfect Loan Process – Centralizes scripts and procedures so the whole team works consistently. Pipeline Manager – Turns meeting notes into task lists and follows up with team members automatically. Partner Finder (Swipe TV) – Matches lenders with Realtors by analyzing production data and shared interests. The Critical Mindset Shift The biggest barrier isn’t technology—it’s mindset. Many agents get distracted by creating flashy videos or trying every new app. The professionals succeeding in Naples and SWFL keep their focus on one platform, applying it to real business outcomes. By letting AI handle the heavy lifting, Realtors and Lenders free up more time to do what they do best: building client relationships and closing deals. Why SWFL Realtors & Lenders Can’t Wait The Southwest Florida market is competitive, and consumer expectations are rising. Clients want fast answers, clear communication, and personalized service. If you’re not using AI daily in your workflow, you’re already behind. The good news? You can start small—use AI to clean up your notes, automate follow-ups, or streamline onboarding—and expand as you grow comfortable. Are you a Realtor or Lender in Naples, Fort Myers, Estero, or anywhere in SWFL, ready to scale your business with AI? Contact us today to learn how ChatGPT and other AI tools can help you close more deals, strengthen client relationships, and boost profitability.

Key Steps in Your Strategy: Selling an Existing Property: Selling a property to the City of Bonita Springs. Using a 1031 Exchange: Avoid paying capital gains taxes Sale proceeds go to a qualified intermediary (money is held and not touched). All proceeds are reinvested into a new property. Purchasing a New Investment Property: Property will be used as a short-term rental (Airbnb). Already under contract for purchase. Cost Segregation Analysis: Breaks property into land value and building value. Accelerates depreciation of building components. Bonus depreciation allows large deductions in the first year instead of spreading over 27.5 years. Deducts against W2 earned income because you and your wife qualify as real estate professionals. Tax Benefits Highlighted: Avoid capital gains on sale due to 1031 exchange. First-year deductions via cost segregation could be around $100,000 or more. Potentially huge tax savings , even if cash flow isn’t high (though in this case, cash flow is positive) Advice to Buyers: Work with a knowledgeable realtor and lender. Understand tax benefits of real estate investing. Buying now can make sense even with high rates and slightly lower rents. Takeaways / Actionable Insights: 1031 Exchange: Reinvest profits to defer capital gains. Cost Segregation: Accelerates depreciation for larger upfront tax deductions. Real Estate Professional Status: Maximizes tax benefits by offsetting earned income. Cash Flow vs Tax Strategy: Even if immediate cash flow is modest, tax benefits can make the investment profitable. Practical Tip: Buyers should always coordinate with both their realtor and lender on these strategies.

I’ve never been in this room. And never will be. Not because I’m uninvited, but because the room doesn’t exist. (And if it does, I’m definitely not on the list.) But the room isn’t the point. The thinking is. AI just blew a hole in the wall between us and the minds we’ll never meet. It killed the “know-a-guy” era. Now all it takes is the humility to accept we’re not one of them, and the imagination to argue with the machine. Pretending to be in the room forces us to ask better questions. And today, the advantage isn’t having the answer; it’s in knowing which question kicks the door open. So ask. Argue. Poke the AI overlord — then ask again. Because curiosity will take you further than any invitation ever could. And if your next big question is about a mortgage… just ask me.

If you own rental properties — or plan to — there’s one IRS-approved strategy that can unlock massive tax savings, accelerate portfolio growth, and keep more cash in your pocket. It’s called cost segregation — and when combined with Real Estate Professional (REP) status, it becomes a tax superpower. What Is Cost Segregation? Normally, you depreciate a rental property over 27.5 years (for residential). That means slow, tiny deductions each year. Cost segregation speeds that up. A study breaks your property into components like: Flooring Cabinets Appliances Landscaping Electrical & plumbing systems These assets can be depreciated over 5, 7, or 15 years instead of 27.5 — which means you write off more, faster. Bonus Depreciation Supercharges It In 2025, bonus depreciation is 80% — allowing you to deduct 80% of short-life assets in year one. Example: Purchase price: $500,000 Cost seg study reclassifies: $125,000 in short-life assets Bonus depreciation (80%): $100,000 first-year deduction Immediate tax savings: That’s not a hypothetical — that’s cash you keep and can reinvest now. Why Real Estate Professionals Get Even More Value Normally, rental property losses are passive and only offset passive income. But if you (or your spouse) qualify as a Real Estate Professional (REP) under IRS rules, those paper losses can offset active income — including W-2 or business income. To qualify as REP, you must: Spend 750+ hours/year in real estate activities, and Spend more than 50% of your working time in real estate. If one spouse is a full-time agent, property manager, or investor — this is doable. Step-by-Step: How Investors Use It to Scale The strategy in action: Buy a rental property Order a cost segregation study Take a massive first-year deduction with bonus depreciation If REP , use that loss to offset high W-2/business income Refinance or 1031 exchange to pull out tax-free capital Repeat to compound portfolio growth ⚠️ What to Watch Out For Cost segregation is powerful — but not magic. 1. You need a formal study Done by an engineer or specialized firm. Costs: $4K–$10K. 2. Depreciation recapture If you sell, the IRS will want some of that back — unless you use a 1031 exchange. 3. Bonus depreciation is phasing out 80% in 2025 → 60% in 2026. Act sooner. 4. Losses still carry forward Even without REP, losses can offset future passive income or capital gains. Real-Life Example Case Study: John & Sarah High-earning couple in Florida (one is a full-time real estate agent) Bought a $550K short-term rental property Cost seg study reclassified $140K in short-life assets 80% bonus depreciation → $112K first-year write-off Offset $100K+ of W-2 income Used the tax savings to buy a second property the next year Quick Start Plan Talk to a CPA experienced with REP status and real estate tax planning. Hire a cost segregation firm — get 2–3 quotes. Run the numbers: If the savings are significant this year, act before year-end. Reinvest tax savings into more properties or debt payoff. Final Thoughts In a market where inflation eats your cash and taxes drain your income, cost segregation is a legal, IRS-approved way to accelerate your wealth. When combined with REP status, it’s not just smart investing — it’s chess while everyone else is playing checkers. Ready to See Your Numbers? Get a free cost segregation savings estimate and see exactly how much you could save before the 80% bonus drops to 60%. ✅ Intro to a trusted cost seg provider ✅ Quick REP qualification checklist ✅ Personalized tax savings projection

In today’s fast-paced world, effective communication is key to success, both personally and professionally. One of the best tools to improve communication is artificial intelligence, and for me, it’s ChatGPT. Here’s how I’ve leveraged ChatGPT to enhance my communication and stay focused on positive, productive interactions. The Power of Personalization What really changed the game for me was the amount of time I spent personalizing ChatGPT to suit my communication preferences. By adding my persona, preferred frameworks, and communication styles, I created a virtual assistant that understands exactly how I want to respond in different situations. For example, one of my favorites is a persona I call “Keep Me Above the Line.” This framework ensures I always communicate from a place of positivity, even when I'm frustrated or upset. How It Works Whenever I’m feeling irritated or annoyed, I use a specific “Keep Me Above the Line” filter in ChatGPT. I can vent out my emotions by saying whatever comes to mind, but then I throw it into ChatGPT to ensure the response is calm, constructive, and respectful. The tool takes my raw input, processes it through the filter I’ve set, and transforms it into a message that aligns with my values. Benefits of Using ChatGPT Filters Reduces Emotional Reactivity: When emotions are high, it’s easy to say things you might regret later. With this framework, I can take a step back, cool down, and still communicate effectively. Consistency: With consistent messaging, especially in business, it’s crucial to always stay on-brand. ChatGPT helps me maintain a professional and respectful tone, even when dealing with difficult situations. Better Relationships: By improving how I communicate, I find that my relationships—both personal and professional—are stronger, clearer, and more productive. Final Thoughts Using ChatGPT has made me a more thoughtful, efficient, and empathetic communicator. It’s like having a personal communication coach right at your fingertips. If you’re looking to improve your interactions and keep things positive, I highly recommend experimenting with a tool like ChatGPT that tailors to your communication style.

For many homebuyers, especially those facing financial challenges, buying a home can feel like a leap of faith. However, it's important to understand that your mortgage payment isn't just about the interest rate or the price of the home. In fact, several hidden factors could cause your payment to be much higher than expected. If you're in Southwest Florida, especially in areas like Naples, Fort Myers, Estero, Bonita Springs, or Port Charlotte, here’s what you need to know before signing any documents. 1. Interest Rates Aren’t the Only Thing You Should Be Shopping For It’s easy to think that interest rates and purchase prices are the only things that affect your mortgage payment. However, there’s much more to the equation. While shopping for the best interest rate and home price is important, there are several factors that often go overlooked: Insurance: Home insurance, including flood insurance (especially in hurricane-prone areas like Southwest Florida), can significantly impact your monthly payment. A house with a roof that is just a few years older may cost hundreds more per month in insurance premiums. HOA Fees and Other Costs: Homeowners’ Association (HOA) fees, special assessments (CBDs), and even flood zone requirements can add hundreds of dollars to your monthly payments. These costs can quickly balloon the total amount you’re paying each month, sometimes by over $1,000. 2. Don’t Forget About Roof Age and the Impact on Insurance A seemingly small detail like the age of your roof can have a big impact on your insurance costs. In areas that have been hit by hurricanes, insurance companies are increasingly factoring in the age of the roof. If a house has a six-year-old roof compared to a four-year-old roof, that extra two years could cost you an additional $100 a month in insurance premiums. In some cases, this could add up to hundreds of dollars per year, affecting your overall affordability. 3. Property Taxes Can Change Drastically After Purchase Another hidden cost many buyers don’t anticipate is the increase in property taxes once you purchase a home. This is especially true in Florida, where the Save Our Homes Act limits the increase of property taxes for current homeowners but does not apply to new buyers. When you purchase a home, the property taxes might be locked in at a lower rate for the previous owners, but once you take ownership, the taxes could jump drastically—sometimes doubling or even tripling. This can make a seemingly affordable home much more expensive than anticipated. Make sure you understand how property taxes will change once you purchase, and take this into account when budgeting for your new home. 4. The Importance of Understanding Your Total Monthly Payment A common mistake many buyers make is only considering the mortgage payment itself when calculating affordability. What they often overlook are the costs that come after closing, such as: Insurance premiums Property taxes HOA fees Flood insurance (especially relevant in Southwest Florida) Without fully understanding these additional costs, you could be in for a surprise when your first mortgage payment arrives. If you're not careful, these hidden fees could push you into foreclosure, as you've overestimated what you can afford. 5. The Best Approach: Get All the Information Before You Commit It’s essential to schedule an appointment with a professional before committing to a home purchase. A mortgage advisor can help you understand the full scope of costs, including potential tax increases and insurance premiums. With a comprehensive view of the costs, you can make a more informed decision and avoid the painful outcome of foreclosure later on. For those of you in Southwest Florida, where many people are just getting started in homeownership or are looking to buy their next property, it’s crucial to factor in all these hidden costs before making a decision. Take Action to Protect Yourself If you’re currently in the process of buying a home or planning to do so soon, don’t just focus on the home’s purchase price. Look at all the factors that will affect your payment and future affordability. Take the time to understand all aspects of homeownership, including insurance, property taxes, and other costs that come with the house. If you’re thinking about purchasing a home in Naples, Fort Myers, Estero, Bonita Springs, or Port Charlotte, and you want a full breakdown of what goes into your mortgage payment, schedule a consultation to ensure you’re making the best decision possible for your financial future. Want to know how to avoid surprises in your next mortgage? Reach out now for a consultation, and let’s make sure you understand every detail before you sign.

Tax season is upon us, and if you're looking for ways to reduce your tax bill and keep more money in your pocket, you're in the right place. Whether you're living in Naples, Fort Myers, Estero, Bonita Springs, or Port Charlotte, there are a few simple strategies that can help you save big on your 2024 taxes. Let's dive into two of the most effective ways to lower your taxable income and keep more cash for your future plans, including saving for a home or investment properties. 1. Contribute to an IRA or HSA Before April 15th One of the best ways to reduce your taxable income for 2024 is by contributing to a Traditional IRA or a Health Savings Account (HSA). Both of these accounts offer tax-deferred benefits, meaning you can deduct your contributions from your taxable income, thus lowering your overall tax liability. Traditional IRA: You have until April 15th to make contributions for the 2024 tax year. For individuals under 50, you can contribute up to $6,500, and if you're over 50, that number increases to $7,500. This means the money you contribute can be deducted from your taxable income, helping you save more on your taxes. Health Savings Account (HSA): If you're eligible for an HSA, you can contribute up to $3,850 for an individual or $7,750 for a family. Contributions to an HSA are made with pre-tax dollars, and if used for qualified medical expenses, the funds grow tax-free. Additionally, if you’re 55 or older, you can contribute an additional $1,000 catch-up contribution. By taking advantage of these accounts, not only do you lower your taxable income for the current year, but you also set yourself up for long-term savings and financial security. Especially in the Southwest Florida area, where healthcare costs and retirement planning are key concerns for many, an HSA or IRA is a solid way to maximize savings. 2. Deduct Your Closing Costs from Last Year’s Home Purchase If you bought a home in 2023, you're in luck! Some of your closing costs may be tax-deductible, which can significantly reduce your tax burden for the year. When you purchase a home, many costs are associated with the transaction, and some of those are eligible for deductions: Mortgage Points: These are upfront fees you pay to reduce the interest rate on your loan. If you purchased points when securing your mortgage, you could deduct those costs. Property Taxes: Any property taxes you paid during the year, including those paid at closing, are deductible. This can be a significant savings, especially in counties like Lee County and Charlotte County, where property values continue to rise. Mortgage Interest: One of the most valuable tax deductions for homeowners is the ability to deduct mortgage interest. If you took out a mortgage for your home purchase, you can deduct the interest paid on that loan, which can add up to substantial savings over time. These deductions help you save money and build your wealth over time, especially if you're in Bonita Springs, Port Charlotte, or any of the rapidly growing neighborhoods in Southwest Florida. With property values rising, taking advantage of these deductions can provide relief during tax season and help you reinvest that money into your next property or home improvement project. Why This Matters for Homebuyers and Homeowners in Southwest Florida Whether you’re a first-time homebuyer in Naples, a retiree looking to buy a home in Estero, or an investor in Fort Myers, these tips can significantly impact your bottom line. The less you pay in taxes, the more you can invest in your future, whether that means saving for your next home, paying off debt, or funding your retirement. By contributing to an IRA or HSA, you're taking proactive steps to lower your taxable income, while taking advantage of closing cost deductions gives you immediate savings if you bought a home in 2023. Together, these strategies can give you a head start on saving more money this year. Want to learn more about tax-saving opportunities related to real estate? If you're looking to find out how much you can save or want to learn more about tax-deductible closing costs, comment SAVE below, and I’ll send you a full list of items you can deduct from your 2024 home purchase. Let’s make sure you're making the most of today’s market!