Garrett Coss Realtor RE/MAX Preferred Associates

Garrett Coss Realtor RE/MAX Preferred Associates Northwest Ohio realtor that grew up in Toledo, Ohio.

I now look forward to helping my community through real estate with a great work ethic and an enthusiastic attitude to be the best agent for my community.

Always a special thanks to my clients for trusting me with such a big moment in their life. I can’t thank you guys enoug...
05/21/2026

Always a special thanks to my clients for trusting me with such a big moment in their life. I can’t thank you guys enough! If you’ve been thinking about selling or buying I’m a short call or text away and ready to help you navigate this market, ideally making it a smooth process!

And we closed! This one took a good amount of work to get knocked out but we got there! Congratulations to my buyers for...
05/14/2026

And we closed! This one took a good amount of work to get knocked out but we got there! Congratulations to my buyers for closing on their first home!

05/13/2026

Welcome to 5622 Dr. Fenwick Toledo, Ohio 43623. I’ll be holding an open house at this 2 bed 1.5 bath 2 car garage tomorrow 5/14/26 from 4-6pm. Come check out this cute little guy with tons of potential tomorrow! Hope to see you guys soon!

How did your Mother’s Day go!For me, the day started with family taking my little guy to the zoo with my mom and dad, en...
05/11/2026

How did your Mother’s Day go!

For me, the day started with family taking my little guy to the zoo with my mom and dad, enjoying some quality time together.

Earlier in the day, I received news that my clients and I had lost out on an offer for a home they really loved. Instead of dwelling on it, we immediately shifted focus to our backup plan and stayed ready for the next opportunity.

After the zoo trip, my clients and I jumped on a call to discuss another home that had just received an offer. We moved quickly, submitted our offer around 5 PM, and by 9 PM we had an accepted offer!

Now they’re moving forward with earnest money and scheduling inspections.

Real estate doesn’t always stop for weekends or holidays, and neither do I. No matter the day, I’m committed to being available, strategic, and ready to help my clients win.

Happy Mothers Day!

May the 4th be with you!
05/04/2026

May the 4th be with you!

Had a very special closing yesterday with my wife and little man. Due to outgrowing our home yesterday we officially clo...
05/01/2026

Had a very special closing yesterday with my wife and little man. Due to outgrowing our home yesterday we officially closed the sale of the home my little man has been growing up in and closed on the house we are moving to! On to the next chapter of our lives!

If you too are outgrowing your home and need to make a move, don’t hesitate to reach out to me and let’s figure out the best plan to get it done for you!

Garrett Coss
RE/MAX PREFERRED ASSOCIATES
Toledo, Ohio 419-343-1293

💰 Typical income needed (Toledo 2026)* Estimated income to afford a median-priced home: 👉 ~$46,500 – $53,000/year * ...
04/21/2026

💰 Typical income needed (Toledo 2026)

* Estimated income to afford a median-priced home:
👉 ~$46,500 – $53,000/year
* Median home price range:
* ~$115K–$200K depending on source and property type

That’s why Toledo is considered one of the more affordable markets in the U.S.

⸻

🏡 What FHA changes (important)

An FHA loan makes buying easier because:

* 3.5% down payment
* Allows higher debt-to-income (DTI) ratios (often up to ~43–50%)
* More flexible credit requirements

👉 Because of that, you can often qualify with LESS income than conventional loans

⸻

📊 Real-world income scenarios

Here’s a practical look using FHA-style affordability:

* $40K income
* Possible if:
* Buying ~$100K–$140K home
* Low debt
* $50K income
* Comfortable range for:
* ~$150K–$200K home (very common in Toledo)
* $60K+ income
* Solid buying power:
* ~$200K+ homes or more flexibility

These line up with affordability models showing even $50K can support ~$175K homes locally

⸻

⚠️ What actually determines YOUR required income

This matters more than averages:

1. Debt (biggest factor)
* Car loans, student loans, credit cards
2. Interest rate at the time
3. Property taxes (~1.6% in Toledo)
4. Insurance + FHA mortgage insurance (MIP)
5. Down payment (more down = lower income needed)

⸻

🧠 Simple rule of thumb

* FHA lenders usually want:
* Housing ≤ ~31% of income
* Total debts ≤ ~43–50%

* Minimum realistic income: ~$40K
* Typical comfortable range: ~$45K–$55K
* Stronger buying position: $60K+

⸻

04/17/2026

🔥 Toledo Market Update What This Means for YOU 🔥

If you’ve been wondering whether now is the time to buy or sell… here’s what’s actually happening right here in Toledo 👇

🏡 Home values are UP over 5% in the past year
⏱️ Homes are going pending in around 2–3 weeks
💰 About 1 in 3 homes are still selling over asking price

👉 Translation:
We’re still in a competitive market, but pricing and strategy matter more than ever.

For sellers:
If you price it right, you can still create competition and maximize your value 💥

For buyers:
There are more opportunities than the crazy market we saw before, but the good homes? They still go FAST.

The biggest mistake I’m seeing right now 👇
❌ Overpricing as a seller
❌ Waiting too long as a buyer

📲 If you’re even thinking about making a move this year, let’s talk strategy.

Garrett Coss
[email protected]
419-343-1293
RE/MAX PREFERRED ASSOCIATES

From “contingent to sell” ➡️ to SOLD ➡️ to UNDER CONTRACT on the next home… all in just a few days 👇This is exactly why ...
04/14/2026

From “contingent to sell” ➡️ to SOLD ➡️ to UNDER CONTRACT on the next home… all in just a few days 👇

This is exactly why strategy matters.

We made the decision to price my home slightly under market value to create urgency and drive traffic. The result? Multiple showings, strong interest, and ultimately an accepted offer well over asking price 💥

With that momentum, I was able to confidently move forward, write on the next home, and get that offer accepted just days later.

Smooth. Strategic. Effective.

If you’re in a position where you need to sell before you buy, it can be done but having the right game plan makes all the difference.

Thinking about making a move? Let’s talk

Drop a photo of your little fur babies! Happy national pet day to all the cute little guys and girls!
04/11/2026

Drop a photo of your little fur babies! Happy national pet day to all the cute little guys and girls!

Address

5835 Neill Avenue
Walbridge, OH
43465

Telephone

+14193431293

Website

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