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44 contributions to Smart Money Collective
Private lending based on value, not contract
Are there lenders who lend based on the value of a property and not what I am buying it for? For example, if I buy it for $200,000 but it's worth $250,000 with $50,000, could that be considered as 80% LTV?
0 likes • 4m
@Kevin Jimeno - outstanding news! Hard money is private lending, right? 9%+? If I can do after-repair value, then I just need to cover the cost of the renovations + closing costs, and I could technically do zero down payment, if the numbers work, right?
0 likes • 1m
@Kevin Jimeno - OK, got it, this is very helpful. If I could find a distressed property substantially below value, then maybe a smaller down payment upfront would be needed?
Door-knocking
How dangerous is door-knocking in Florida? Doesn’t everyone have guns? Asking as a Canadian :)
0 likes • 7m
Keep the sketchy factor down, got it. Do you door-knock distressed-looking properties?
Local Florida number
Hello! As I'm moving closer to beginning my marketing, I need to buy a local Florida number. I'm in love with Naples, so realistically, I'll probably set that up as my home base and plan to move there once I get my E2 visa. Do you have any recommendations on the type of number or specific digits or an area code to use? For example, I am from Vancouver and people are more comfortable with the 604 area. It shows that you've been around for a while. I wouldn't want to use one of the newer area codes. Also, due to the tremendous number of Chinese and Greater Vancouver people, you want to avoid the number 4 because it means death, and you want to use the number 8 because it means money. Thanks for your advice
0 likes • 9m
@Kevin Jimeno - sorry, I didn't mean that. I understand how to obtain the number and set it up. I'm more curious if you recommend specific digits or an area code to use? Is there an old area code that makes me look more established versus a new one?
Floor plans
Where to find floor plans? Most realtors don’t seem to post them in the pictures, as we do in Vancouver. Is that because most realtors are "frugal" and don't want to pay for the floor plans or do they hide them in the back of the MLS?
0 likes • 3h
@Kevin Jimeno - interesting, so I can call City Hall to get access to the last approved floorplan. That's a very helpful.
Livable-indoor SQft?
Do covered outdoor areas with bug screens count as livable-indoor SQft? Or would it need to have a closable window where it would be temperature-controlled to be livable?
0 likes • 3h
@Kevin Jimeno - ¡Gracias!
1-10 of 44
Jessi Johnson
2
14points to level up
@jessi-johnson-2684
Best-selling author featured on Oprah’s reality show 2x. Realtor with eXp Realty & mortgage broker w/ Home Equity Solutions based in Vancouver, Canada

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Joined Dec 10, 2025
Vancouver, Canada
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