[Tina]

In Florida, whether you need a building permit for a tiny house or accessory dwelling unit (ADU) depends on the specific size and construction details, but generally permits are required in most cases. Here are some key points about tiny house/ADU permits in Florida:

Size Exemptions:

Florida has exempted ADUs under 1,000 sq ft from permit requirements statewide if they meet the state’s building code requirements.

However, most tiny houses are smaller than 1,000 sq ft, so this exemption often does not apply to them.

Local Regulations:

While the state allows the 1,000 sq ft exemption, local jurisdictions (cities/counties) can have stricter rules requiring permits for even smaller ADUs or tiny houses.

Many localities do still require permits for any detached residential unit, regardless of size.

Zoning and Placement:

Even if the tiny house itself is exempt from permitting, permits are usually required for proper zoning approval, utility connections, and site preparation.

The placement and permanence of the unit also matters for permitting.

Permanent Foundations:

Tiny houses on permanent foundations are treated more like traditional housing requiring full permitting.

Those on trailer hitches may qualify as recreational vehicles with different regulations.

While Florida’s ADU law provides a permit exemption possibility, the vast majority of tiny houses and ADUs in the state still require permits from the local city or county due to their small size and zoning considerations. Checking your local rules is essential before proceeding with any unpermitted construction.

[Tina]

If you can get the maximum seller concessions from the home seller towards homebuyers closing costs you will not have any closing costs.

[Tina]

Great tip, Brent. We all appreciate you.

[Tina]

I truly believe James O’Keefe is the real deal and is a talented experienced undercover journalist who cannot be bought like others in the fake media like Jim Kramer, Janet Yellen, Joe Biden, Jerome Powell, Jessica Tarlov, Joe Scarlsboro, Adam Schiff, Mika Brzezinski, Nancy Pelosi, Nancy Pelosi, Chuck Schumer, Hillary Clinton, Merrick Garland, Bill Clinton, Barack Obama, Michelle Obama, Kamala Harris, and thousands of other liers. Kudos to James O’Keefe, the founder and President of OMG, O’Keefe Media Group.

[Tina]

I agree with litigation every one loses except the lawyers. Here is an article on Mike Kortas, the CEO of NEXA Mortgage responding to the recently filed lawsuit from former partner Mat Grellaa

https://www.nationalmortgagenews.com/list/nexa-mortgage-ceo-talks-breakup-with-co-owner

nationalmortgagenews.com

NEXA Mortgage CEO talks breakup with co-owner, plans for the future

In the midst of a separation between Mike Kortas and Mat Grella, the company's CEO sets course to double headcount.

[Tina]

Florida insurance premiums are out of control.

[Tina]

Primary owner-occupant homes require between zero to 5% down payment whereas second homes require a 10% down payment and investment homes generally require 15% to 20% down payment. Mortgage rates on investment properties or second homes are much higher than primary home loans. Therefore, many borrowers will try to pull a fast one and say it is a primary home when actually it is not and it is an investment home. This is called occupancy fraud.

[Tina]

Mortgage rates are steadily dropping. I suggest to get your credit scores maximized to the highest potential so when the time comes, you can refinance at the lowest rates.