David Van Singel - Central Florida Real Estate Agent

David Van Singel - Central Florida Real Estate Agent Do you dream of owning a home? I can help put you on the path.

06/18/2026

This is the basis of value investing. If a company has an intrinsic value of $100 per share but is only trading at $50 per share, it's like you spend $1 to get $2. Now, most real life examples aren't that extreme but there actually can be some of that caliber or better. Some people like to trade on hype but hype is a fickle thing. Instead, over the long run, intrinsic value can do better for you.

06/17/2026

It is refreshing to see that we're seeing inventory growth for buyers even with our increased demand from the beginning of this year. Thanks to our inventory growth, we're still seeing a seller's market but it's almost to a neutral market with our average months of inventory at 5.51 months. I've seen sellers be willing to negotiate a lot more these days rather than buyer's offering their first born just to make a potential deal work. #

06/16/2026

Now, if you really wanted, I guess you could consider your house, if you own it, part of your capital. I think some people may classify it as not capital because you do need somewhere to live and you most likely won't sell your house in order to start a business. There are also others that may say that capital and assets are the same thing however, a house is an asset and some will say that it isn't capital. Just remember that in essence, capital is just stuff you own.

06/15/2026

A construction loan is not intended to be a long term loan. To be fair, how many people think that if they're building a house, it'll take 30 years? The other thing to consider is why the interest rate being higher. Most of the time, when you're buying a house, if something goes wrong, the bank can take your house. They can get their money back. What happens if stuff goes wrong while you're in the middle of building? It'll take more money for the bank to finish construction and then sell it off which could take more time. Remember, the bank is in the lending business, not the real estate business. It's because they're taking additional risk, they'll then want additional reward in the form of interest.

06/13/2026

Personally, I would rather NOT have a crash. I would rather that the cost of living as a share of household income goes down because real wage growth has gone up (or other costs go down). Many forget that the biggest transfers of wealth happen in times of recession. If you don't believe me, look at how much wealth went from the poorest people to the top 0.1%. The amount is staggering. I'll say it before and I'll say it again. Average Joe doesn't want a crash. They're the ones that are hurt the worst because of it.

06/12/2026

With increasing inflation, you want your dollar to stretch farther than it has ever needed to before. Why do you want to pay more for the same exact stuff? Sure, some things are actually worth the name brand. Other things are not. Don't let your ego keep you poor.

06/11/2026

Do not invest on this alone. Trust but verify. Also, investing is risky. This may age like milk if tomorrow a permanent ceasefire is signed. While I don't think that's likely, it is possible. As the US draws down their strategic oil reserves, we will hit a point where we really can't/shouldn't. When that happens, that will cause a fair bit of inflation. Shipping will get more expensive. Travel will get more expensive. Many things will get more expensive. I would recommend that you either try to cut back a little on spending right now or look to more stable investments that are likely to benefit from higher energy costs. This could be a situation of buy low and sell high and we could be at the low part. Do some research and be smart.

06/10/2026

Thank you to Mortgage News Daily for the rate survey. With the increase in our inventory going up by 225 units, that has made our average months of inventory go up to 5.38 months from the report last week at 4.51 months. We may also see that the Fed may start raising rates instead of the originally projected cuts. Obviously, the markets didn't like that but I still hold onto the belief that if stuff with the Middle East gets resolved soon, we will be alright. I would recommend that if you want to do any travel, do it soon. The US is drawing on it's strategic oil reserves to keep gas prices low but we are quickly depleating it. Thus, that will push a lot of inflation and cause a lot of things to be much more expensive. Some are even saying that this could cause a global recession because we're relatively insulated in the US but we'll still feel it. Other places will have significant increases in cost of living. #

06/09/2026

Part of tax planning is to maximize your income. If you're sick, you probably aren't getting that much in income. Try to stay healthy otherwise, you might sleep the day away with a 100 degree fever and really not be all that productive.

06/08/2026

You may also be well served that if you manage to negotiate a lot down on a house, you can take some of one and some of the other. This is because you're limited in how much you can actually get in seller concessions depending on the kind of loan that you get. This does also scale with the price of the house so it's not like you can negotiate a $450K house down to $400K and take the seller credit at the $450K price point. While you might feel good about yourself for "getting a good deal" without knowing all your options, you might not be getting the best deal. You could be dealing with those impacts for 30 years as well.

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1170 Celebration Boulevard
Celebration, FL
34747

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