30-year fixed mortgage rate
6.76%
annual rate
+0.41 percentage points vs. a year earlier
Florida · Orlando
Ready to live and invest in Florida?
I am Dani Kubrusly. Here I share my community guides, my reading of the market and the guidance I give in person, whether you are buying a home, moving countries or investing in Florida.
Find my areaExplore Florida
The regions I work in, with the trade-off each one makes.
Lake Nona
Planned from scratch around health, technology and trails. Heavy new construction, strong resale demand and quick access to the airport.
- Median price
- $695K
- Style
- New construction
Winter Garden
A historic downtown with brick streets, a Saturday farmers market and oak canopy, ringed by newer subdivisions and served by Orange County Public Schools, with assignments determined by address.
- Median price
- $625K
- Style
- Historic downtown / walkable core
Windermere
Lakefront estates, mature oaks and privacy on the Butler Chain. Fewer listings, longer cycles, higher price per square foot.
- Median price
- $1.35M
- Style
- Luxury / waterfront
Dr. Phillips
Established, central and green, with golf communities, Restaurant Row nearby and homes that hold value through cycles.
- Median price
- $860K
- Style
- Established / golf
Celebration
Porches, sidewalks and a town center that people actually walk to. Mixed inventory from condos to estate homes, popular with second-home buyers.
- Median price
- $580K
- Style
- Walkable / second home
Florida market snapshot
How I read the Florida market.
Before any number, what matters is knowing what to watch: financing cost, inventory, price trend by area and the pace of new construction. That is how I work through each decision with you.
Florida house price index
825.7
index · base 1980:Q1 = 100
+1.4% vs. a year earlier
Q2 2026 · quarterly series
U.S. Federal Housing Finance Agency via FRED · St. Louis FedRetrieved Sep 10, 2026
Orlando metro house price index
457.1
index · base 1995:Q1 = 100
+0.8% vs. a year earlier
Q2 2026 · quarterly series
U.S. Federal Housing Finance Agency via FRED · St. Louis FedRetrieved Sep 10, 2026
Active listings
13,817
active listings
−2.5% vs. a year earlier
Median days on market
75
days on market
−2.6% vs. a year earlier
Median listing price
$415,000
median asking price (USD)
−1.9% vs. a year earlier
What this means for buyers
Before making an offer, look at three things together: the payment at today's rate, how long comparable homes have been listed, and what the seller has already conceded. That combination, not a headline number, is what shows how much room there may be to negotiate.
What investors should watch
Return in Florida is decided by community rules, rental strategy and total carrying cost, HOA, insurance, taxes and management. Two homes at the same asking price can behave very differently once those are on the table.
Why Florida
Not a promise of returns. A clear look at what changes from region to region.
01
A market with real depth
Florida is not one market. Orlando, the coasts and the smaller inland cities move on different cycles, which is exactly why the choice of region matters more than the timing of the purchase.
02
Everyday life first
Schools, commute, healthcare, walkability and what a Saturday actually looks like decide whether a home works. I start there and let the listings follow.
03
Ownership that has a purpose
Living, hosting family, renting or holding are different decisions with different math. Being honest about which one you are making removes most of the risk.
04
Buying from far away works
Video tours, documents, inspections and closing can all be handled remotely, as long as someone on the ground is genuinely accountable for the details.
Ways to invest
Six different paths, with six different sets of math.
First home
The home you will live in, planned together with the move to the United States.
- Routine decides the region
- Financing path defined before the search
Long-term rental
Traditional residential leases in neighborhoods with steady tenant demand.
- Predictable cash flow
- Simpler rules and management
Vacation / short-term rental
Short-stay properties in markets where city rules and the HOA genuinely allow it.
- Higher seasonality
- Zoning and HOA rules verified first
New construction
Builder inventory and planned communities, from lot release to closing.
- Warranty and modern efficiency
- Incentives change monthly
Second home
A home you actually use, chosen so it still makes sense as an asset.
- Personal use comes first
- Resale considered from day one
Luxury real estate
Higher-value homes where privacy, land and lake frontage drive the price.
- Fewer comparables, slower cycles
- Discretion throughout
Relocating to Florida
Before choosing a home, choose how your life will work.
Planning a move calls for a different order of decisions. This is the path I walk with you.
- 01
Start with the life, not the listing
Work, school, healthcare, driving distances and how often family visits. This is what narrows Florida down to two or three regions.
- 02
Compare regions honestly
Every community trades something: price, space, commute, newness or walkability. Seeing the trade-off written down makes the choice much easier.
- 03
Organize the search
A short saved search, a shared shortlist and scheduled video tours beat scrolling through hundreds of listings alone.
- 04
Buy from a distance, safely
Offer, inspection, appraisal, insurance and closing have a clear sequence. You always know what is happening and what comes next.
New construction
Never walk into a sales center alone.
Buying directly from a builder looks simple, and it is often a good path. But the contract, the incentives and the lot you choose are technical decisions that stay with you for years.
The sales center works for the builder
Registering with representation costs you nothing and keeps someone on your side of the table during pricing, upgrades and inspection.
Incentives beat list price
Rate buy-downs, closing cost credits and design allowances change monthly and are often worth more than a discount on the sticker.
Lot and phase matter later
Orientation, water view, road noise and which phase you buy in decide how the home resells years from now.
See new construction opportunitiesMarket insights
The topics I follow closely.
Each topic feeds the content on this portal and my conversations with clients. The further you scroll, the more context there is.
Rates and financing
What a moving rate does to a monthly payment, and when a buy-down is actually worth it.
Orlando demand
Job growth, in-migration and the neighborhoods absorbing the most inventory.
Community-level data
Days on market, price per square foot and how each community behaves on its own.
Builder incentives
What builders are offering this month and how quickly those offers disappear.
Rental performance
Real rents, real vacancy and the full cost stack behind a rental property.
Buyer questions
The questions people ask most often, answered without sales language.
About me
I have sat on every side of a real estate deal.
I was born in Fortaleza, Brazil, and I live in Orlando with my husband and our three children. With a degree in Advertising and an MBA in Business Administration, I spent years in agencies managing client relationships and media planning, and later joined the marketing team of a real estate developer, following launches from the first blueprint to final delivery.
When I moved to the United States, I began in the mortgage industry, analyzing buyers' financial profiles and pre-approvals, before earning my real estate license. That path lets me read a purchase the way a bank, a builder and a family would, all at once.
Today I guide Brazilian, American and Hispanic families and investors across Florida, staying close from the first conversation to long after the keys: I explain every step, from the design center to the clear to close, in plain language. My method is simple. Listen more than I speak, be honest about trade-offs, and never push a house.
- Background
- Advertising, MBA and mortgage
- Experience
- Developer marketing, credit and real estate
- Service area
- Orlando and all of Florida
From my insights
Topics chosen from what people actually ask.
The portal watches visitor searches and questions and suggests topics. I approve, review, and only then is anything published. These are the first topics in preparation.
New construction
Lake Nona new construction under $800K: what you actually get
Floor plans, lot sizes and the upgrades worth paying for at this price point.
In preparation, I am writing this one.
Want this answered before it is published? Talk to me directly.
Investing
Short-term rental rules in Florida, city by city
In preparation, I am writing this one.
Relocation
Buying from Brazil: the document checklist that avoids delays
In preparation, I am writing this one.
Frequently asked questions
Real questions from buyers, investors and people relocating.
If your question is not here, ask it directly. New questions usually become content on this portal.