Your daily dose of simple, smart home advice from house hacks to insurance tips, buying/selling insights, and home maintenance must-knows.
Chris Cusimano, S. Florida Realtor based in Boca Raton & Coral Springs, Florida gives you quick, friendly guidance that saves time, money, and stress… all before you finish your morning coffee.
15. The City That Was Never Supposed to Have a Downtown
Most South Florida cities grew up around something. A train depot, a Main Street, a waterfront. Coconut Creek never did. It was master-planned in the 1960s to be nothing but neighborhoods, and for sixty years it had no downtown at all. That's about to change on a scale that's hard to overstate. On 170 acres in the dead center of the city, on land that was a working farm for over a century, developers are building a brand-new downtown from scratch: a Whole Foods, more than 1,600 homes, 50 acre...
Florida is preparing for the largest property tax cut in state history but what’s the hidden catch? On June 2, 2026, the Florida Legislature officially passed House Joint Resolution 1-F, sending a monumental $250,000 property tax exemption proposal to the November 3, 2026 ballot. If approved by 60% of voters, this amendment could virtually erase non-school property taxes for roughly 60% of homesteaded homeowners. But with local governments facing an estimated $8.4 billion annual revenue drop,...
7 Jul 2026
Boca Raton: Paradise For a Price
The Real Cost of Living in Boca Raton, Florida Boca Raton looks flawless, and that is by design. Crime 52% below the national average, a median household income north of $121,000, and roughly 1,000 new residents pouring in every year from high-tax states. But there is a price for perfection, and most of it is hidden. In this episode, real estate agent Chris "Cusi" Cusimano breaks down what it actually costs to live in Boca Raton in 2026, drawing on 25+ years of selling across Palm Beach and B...
9 Jun 2026
Why Families Pay $400,000 Just to Join a Boca Raton Neighborhood
What if moving to a neighborhood required a $400,000 non-refundable payment before you even bought the house? Welcome to Boca Raton, Florida. In this episode, we break down the hidden mechanics of one of America's most fascinating luxury real estate markets. From exclusive country club communities and equity memberships to flood-zone economics, school district competition, youth sports culture, and the rise of zero-equity luxury developments, we explore how Boca Raton has evolved into a caref...
9 Jun 2026
11. Florida's $250,000 Property Tax Exemption Explained: What Florida Homeowners, Buyers & Investors Need to Know in 2026
Florida homeowners could soon see the biggest property tax reduction in state history. In this episode, we break down Florida's proposed $250,000 Homestead Property Tax Exemption and explain exactly how it could impact homeowners, home buyers, sellers, retirees, investors, and anyone considering a move to Florida. You'll learn: • How the proposed $250,000 homestead exemption works • When the tax savings could begin • Why some Florida homeowners may pay little to no non-school property taxes •...
1 Apr 2026
10 - The $14 Billion Insurance Secret in Florida
Florida’s insurance market is in chaos but the real story goes deeper than lawsuits and hurricanes. This episode uncovers the hidden financial structures, political decisions, and billion-dollar loopholes shaping the crisis in 2026. Read all about it HERE Watch the video version HERE Get an instant home value estimate HERE See how The Homes By Cusi Team works HERE email: chris@homesbycusi.com cell: (561) 289-9305 Agents: Apply to Chris' Coaching HERE
6 Mar 2026
9. What Stealth Bombers Over Iran Have to Do With Your Mortgage
A military strike 6,000 miles away shouldn’t affect whether you can buy a home in America… but it does. WATCH VIDEO HERE In this episode, we break down the hidden pipeline connecting global conflict, oil markets, inflation, and the U.S. housing market. When the United States and Israel launched major strikes against Iranian targets on February 28, 2026, the immediate concerns were military and geopolitical. But almost overnight, the ripple effects began moving through the global economy...
20 Jan 2026
8. The Hidden Traps in Florida Real Estate Contracts That Cost Buyers Thousands
Florida may be paradise, but buying a home here can be a legal minefield. In this episode, Chris Cusimano breaks down the “as-is” contract that dominates the Florida housing market—and uncovers how small mistakes can quietly kill deals or cost you thousands. Whether you're a first-time buyer, investor, or real estate pro, you’ll learn how to: Use the inspection period loophole to your advantageAvoid the invisible fuse of missed acceptance datesNavigate escalation clauses and kickout clauses l...
13 Jan 2026
7. Buyers - 7 First-Time Homebuyer Mistakes That Cost Thousands (Especially in Florida)
Most first-time homebuyers don’t lose money because of bad luck — they lose it by following outdated advice. This episode reveals 7 costly mistakes buyers make, including the 20% down payment myth, credit score surprises, Florida property tax reassessments, and insurance inspection failures that can kill a deal. If you’re planning to buy a home, listen before you make these expensive mistakes. grab the contract analysis tool HERE: contractcoachapp.com Get an instant home value estimate HERE...
2 Jan 2026
6. Buyers: Permanent Rate Buydown vs 3-2-1 Buydown in 2026: The Mortgage Strategy That Saves Buyers More Money
If you’re buying a home in 2026, there’s a mortgage strategy that can lower your monthly payment by hundreds of dollars—but the most popular option isn’t always the smartest one long-term. In this episode, Chris Cusimano breaks down the 3-2-1 temporary rate buydown versus the permanent rate buydown, using real numbers and real buyer scenarios. You’ll learn why the option that feels less exciting upfront can actually save more money over time, and how smart buyers are structuring offers to get...
22 Dec 2025
5. Investors: Accelerated Depreciation: The Tax Strategy That Lets Real Estate Investors Beat Time
If you own, or plan to own residential rental property, depreciation isn’t just accounting. It’s strategy. In this episode, we break down accelerated depreciation and why it’s one of the most powerful — and misunderstood — tools available to residential real estate investors. We start with the basics: why the IRS spreads depreciation over 27.5 years, how Congress experimented with faster write-offs in the past, and why they eventually pulled the brakes. Then we walk through the workaround inv...
15 Dec 2025
4. No Property Taxes in Florida? The Market Reaction No One Talks About
What would actually happen if Florida eliminated property taxes? In this episode, Chris Cusimano breaks down the real-world housing market consequences behind a proposal that sounds simple—but isn’t. While eliminating property taxes feels like it would make housing more affordable, real estate markets don’t respond to intentions. They respond to math. Chris explains why buyers shop monthly payments—not prices—and how removing a major ownership cost would likely lead to a rapid repricing of ho...
12 Dec 2025
3. Buyers: What Your Monthly Mortgage Payment Really Includes (Taxes, Insurance & More)
What Your Monthly Mortgage Payment Really Includes (Principal, Interest, Taxes & Insurance) Most home buyers think their monthly mortgage payment is just the loan and the interest. In reality, your payment usually includes taxes and insurance too and those costs can change after you buy. In this episode, I break down what your monthly payment really includes, explain why payments often increase after tax reassessment, and share the exact questions every buyer should ask their lender befor...
10 Dec 2025
2. Breaking: Fed Cuts Rates + Mortgage Rates Drop Again
The Fed made a move today, and mortgage rates are already reacting. We are currently sitting at a 6.19% average for a 30-year fixed—that is significantly lower than the 6.69% average we saw last December. In this 5-minute breakdown, I explain why we are in a rare "buyer window" where rates are falling but competition hasn't skyrocketed yet. Don't wait until the spring rush—listen now to see how much purchasing power you've gained in the last week alone. Get an instant home value estimate HE...
10 Dec 2025
1. Sellers: The #1 Reason Your Home Isn’t Selling (No One Wants to Admit This)
Why do some homes fly off the market while others sit, collect dust, and become the “forever listing” of the neighborhood? In this episode, Chris Cusimano breaks down the real reason homes don’t sell—and it’s not bad photos, bad luck, or an agent who “isn’t doing enough.” The truth most sellers don’t want to hear is simple: the price doesn’t match what buyers are actually willing to pay in today’s market—not last year’s market, not your neighbor’s sale, and not the number in your head. This q...
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