If the conventional “save 20% and wait” plan isn’t working, you’re not alone and you’re not out of options. From ADU income to house hacking, co-buying to mid-term rentals, FHA multi-unit to USDA zero-down, here are 7 strategies actively working for Central Florida buyers in 2026.
36% of hopeful buyers have considered purchasing with family members, and 33% with friends — co-buying is no longer unusual. But buying together without a formal agreement is one of the most expensive real estate mistakes in Florida. Here’s exactly how to do it right, what documents you need, and how to protect everyone involved.
With 30-year rates hovering near 6.75% in 2026, roughly 30 million US homes carry FHA or VA loans from 2020–2022 at 2.5–4%. Assuming one of those loans could save you $600–$1,200+ per month. Here’s exactly how assumable mortgages work in Florida, what the catch is, and how to find them.
A “Subject To” (Sub-To) offer can be the fastest way to sell your Central Florida home when you have little equity and a low-interest-rate mortgage. Learn exactly what “Subject To” real estate is, how it works step-by-step, the risks, how to protect your credit and title, and why — when structured correctly with an experienced team — it can actually net you a higher sale price than a traditional sale.