Contact
Write to us and a real person replies.
Tell us what you are weighing. If it is buying, selling or investing, we connect you with the agent who works that area.
- Office 12381 S Cleveland Ave, Suite 404, Fort Myers, FL 33907
- Email thesynergyswfl@gmail.com
eXp Realty, LLC
Frequently asked questions
What people ask before buying or selling in SWFL.
Straight answers, with a source whenever there is a number. If your question is not here, send it above and we will answer it just as plainly.
Do I need my own realtor to buy new construction from a builder?
Yes — and in most new-construction communities in Southwest Florida it costs you nothing, because the builder pays the buyer’s agent. The builder’s sales representative works for the builder; your agent reviews the contract, the incentives and the CDD and HOA fees from your side of the table. The rule that matters most: register your agent BEFORE or during your first visit to the sales center.
We explain it in full on the blog, and you can run your numbers here.
Do I need flood insurance in Southwest Florida?
It depends on your flood zone, not your address: the official FEMA map decides it, parcel by parcel. In zones A, AE or VE it is required if your mortgage is federally backed; in zone X it is optional — but a standard homeowners policy does NOT cover flood damage. Before making an offer, we verify the property’s exact zone on the FEMA map and the county GIS.
What are CDDs, and how long do you pay them?
A CDD (Community Development District) repays the bond that built a community’s infrastructure, plus its maintenance. It shows up on your property tax bill, and the bond portion typically runs 20 to 30 years (Chapter 190, Florida Statutes). The exact amount for any address is public: it is itemized line by line on the county tax collector’s bill — we show it to you before you sign anything.
Can I buy property in Florida if I am not a U.S. citizen?
Yes. In Florida you do not need citizenship or residency to own property in your name; buyers from other countries close here every day. What changes with your situation is the financing, the taxes and the ownership structure — and that gets planned before, not after.
The full guide is on our blog (in Spanish).
Are Airbnb-style short-term rentals allowed in Cape Coral?
Yes, but since January 1, 2026, Cape Coral Ordinance 53-25 requires annual registration ($350 for a short-term rental), sets a 7-day minimum per rental, and fines start at $1,000 (source: capecoral.gov). Every SWFL city has different rules — we verify the ones for the exact area before you buy to rent.
How much would I pay per month for a home here?
It depends on the price, your down payment, your rate, property taxes, insurance and the association fee — and in Southwest Florida those last three weigh as much as the mortgage. That is why our calculator gives you the complete number instantly, without asking for your email or making you wait.
Do you work with buyers who live in another state?
Yes — it is central to what we do: investors and families from anywhere in the United States building wealth and a home in Southwest Florida. Video tours, electronic documents and a local agent who knows the property in person. You can close without traveling.
How much will I walk away with if I sell my property?
The sale price minus the agreed commissions (which are negotiable and not set by any law), closing costs, repairs and your mortgage balance. Our calculator gives you that net figure instantly with your numbers; the property’s valuation is done by a person, with real comparables from your area.