In this episode I share the top things that every home seller needs from their realtor. 

Investing in real estate is one of the most proven ways to build wealth over time. Whether you're looking to generate passive income, diversify your portfolio, or plan for retirement, buying your first investment property is a big — and exciting — step.
Here’s what you need to know before diving in.

1. Understand Your Investment Goals
Before anything else, determine what you want out of the investment:

• Do you want long-term rental income?
• Are you planning to flip the property for profit?
• Is this a one-time purchase or the start of a real estate portfolio?

Your answers will influence the type of property you should buy, the financing you choose, and the timeline you follow.

2. Assess Your Finances
Lenders typically require a larger down payment and offer higher interest rates for investment properties compared to primary residences. Make sure your credit score, debt-to-income ratio, and savings are in good shape. It's also smart to have extra cash on hand for maintenance, vacancies, and emergencies.

Tip: Speak with a mortgage professional who understands investment property loans to explore your options.

3. Choose the Right Location
Location can make or break your investment. Look for areas with:

• Growing job markets
• Low vacancy rates
• Strong rental demand
• Access to amenities like public transportation, schools, and shopping

Research local rental rates to estimate your monthly cash flow and potential return on investment (ROI).

4. Start Small and Smart
For first-time investors, a single-family home or a small multi-unit building (like a duplex) is a great way to get started. These properties are often easier to manage and resell. Avoid major fixer-uppers unless you have renovation experience or a trusted contractor on your team.

5. Do the Math
​Before making an offer, crunch the numbers. Calculate:

• Mortgage payments
• Property taxes
• Insurance
• Maintenance and management costs
• Expected rental income

Use this to determine your cash flow and cap rate (capitalization rate), two essential metrics for evaluating investment potential.

​6. Work With a Knowledgeable RealtorA real estate agent who specializes in investment properties can be a huge asset. They’ll help you identify good deals, understand market trends, and avoid common pitfalls.

7. Plan for Property Management
Will you manage the property yourself or hire a property manager? Self-managing can save money, but it takes time and effort. A good property management company can handle tenant screening, rent collection, maintenance, and more — giving you more freedom as an investor.

8. Think Long-Term
Real estate isn’t a get-rich-quick scheme. Your first investment property is a stepping stone. As you gain experience, you can scale up, increase equity, and build a portfolio that provides consistent income and long-term growth.

Final Thoughts
Buying your first investment property is a significant financial decision, but it doesn’t have to be overwhelming. With the right research, professional guidance, and a clear investment strategy, you can make a smart purchase that pays off for years to come.

​Are you wondering what's in store for the 2025 housing market? In this video, we'll dive into the latest trends, forecasts, and expert insights to give you a clear picture of what to expect in the coming year. From interest rates and inventory levels to buyer behavior and market shifts, we'll cover it all. Whether you're a first-time homebuyer, a seasoned investor, or simply curious about the state of the real estate market, this video is for you. So, sit back, relax, and let's explore what's ahead for the 2025 housing market.

​Want to sell your home quickly and for top dollar? Learn the stunning home staging secrets revealed in this video to attract potential buyers and make your property stand out from the competition! From decluttering and depersonalizing to furniture arrangement and lighting, we'll share expert tips and tricks to help you showcase your home's best features and increase its appeal. Get ready to turn your home into a stunning showcase that wows buyers and drives offers!

​Wondering if it's still possible to achieve the dream of homeownership in 2025? With rising interest rates, increasing housing prices, and changing economic conditions, many aspiring homeowners are left wondering if buying a house is still within reach. In this video, we'll explore the current state of the housing market, discuss the challenges and opportunities that come with buying a house in 2025, and provide valuable insights to help you make an informed decision. Whether you're a first-time buyer or a seasoned homeowner, this video is a must-watch for anyone looking to navigate the complex world of real estate.

Whether it's fixing a leaky faucet, repairing drywall, or tackling a long to-do list, having a reliable handyman can save you time, stress, and money. But with so many options out there, how do you choose the right one? Here are key tips to help you hire a trustworthy, skilled handyman for your home projects.

1. Ask for Recommendations
​Word-of-mouth is often the best way to find a great handyman. Ask friends, family, or neighbors who they’ve used and if they were satisfied with the work. Personal experiences can give you insight into reliability and quality.

2. Check Reviews and Ratings
In today’s digital world, online reviews are incredibly helpful. Check platforms like Google, Yelp, or Angi (formerly Angie’s List) to see what others are saying. Consistently positive reviews are a good sign.

3. Verify Credentials and Insurance
While not all handyman services require licenses, some jobs—like electrical or plumbing work—may. Ensure the person you're hiring has the proper certifications and liability insurance in case something goes wrong.

4. Ask About Experience
Find out how long they’ve been in business and what types of jobs they specialize in. A seasoned handyman will likely have a wide skill set and be able to handle various projects efficiently.

5. Request References
A reputable handyman should be able to provide references from previous clients. Don’t hesitate to reach out and ask about their experience, punctuality, and the quality of work.

6. Get a Written Estimate
Before any work begins, request a detailed, written estimate that outlines the scope of the project, materials needed, labor costs, and timeline. This prevents surprises down the road and keeps everyone on the same page.

7. Look for Professionalism
Pay attention to how they communicate and present themselves. Are they courteous, punctual, and clear about expectations? A professional approach usually reflects how they handle their work.

8. Start With a Small Job
If you’re unsure, start by hiring the handyman for a small task. This gives you a chance to evaluate their work before committing to bigger projects.

Bottom Line:
The right handyman can be a valuable resource for maintaining your home. By doing a little homework upfront, you’ll save yourself time, money, and potential headaches in the long run.

Buying a home is one of the most exciting—and financially significant—steps many people take in life. While most buyers focus on the down payment and monthly mortgage, it’s crucial to plan for another major expense: closing costs.

What Are Closing Costs?
Closing costs are the fees and expenses you pay to finalize your home purchase. These costs are separate from your down payment and are typically due on the day you close on your new home.

How Much Are Closing Costs?
Closing costs usually range from 2% to 5% of the home’s purchase price. So, if you're buying a $300,000 home, your closing costs could be anywhere from $6,000 to $15,000. The exact amount depends on your loan type, location, and the specifics of your transaction.

What Do Closing Costs Include?
Here’s a breakdown of common items included in closing costs:

• Loan Origination Fee – Charged by the lender to process your loan (typically 0.5%–1% of the loan amount).
• Appraisal Fee – Pays for a professional assessment of the home’s market value.
• Home Inspection Fee – Although not always required, it’s highly recommended to identify potential issues.
• Title Search and Title Insurance – Ensures the seller legally owns the home and protects against future title disputes.
• Attorney Fees – If a lawyer is involved in reviewing or preparing paperwork (required in some states).
• Recording Fees – Charged by your local government to record the property sale.
• Escrow Fees – Covers services provided by the escrow company handling the transaction.
• Prepaid Costs – Includes property taxes, homeowners insurance, and prepaid interest on your mortgage.

​Who Pays Closing Costs?
In most cases, buyers pay the majority of closing costs, but sellers also have fees, especially if they're covering part of the buyer’s costs as part of the negotiation. In some markets, buyers may be able to ask for a seller concession to help reduce the financial burden.

Can You Reduce Closing Costs?
Yes! Here are a few tips:

• Shop around for lenders to compare origination and processing fees.
• Ask for a Loan Estimate early in the process to see a breakdown of fees.
• Negotiate with the seller to cover part of the costs.
• Look for first-time buyer programs that offer assistance with closing costs.

Final Thoughts
Closing costs can be a surprise if you're not prepared, but with the right planning and a trusted real estate professional on your side, you’ll have a clear picture of what to expect. Understanding these costs in advance ensures there are no last-minute surprises when you get to the closing table—and helps you enjoy your new home with confidence.

​Are HOA fees taking a toll on your wallet? In this video, we explore the pros and cons of owning a home in a neighborhood with a Homeowners Association (HOA). From manicured lawns to strict rules, we weigh the benefits against the costs to help you decide if the extra expense is really worth it. Whether you're a first-time homebuyer or a seasoned homeowner, this video is for anyone considering buying a property in an HOA community. So, is owning a home in an HOA really worth the cost? Watch to find out!

Buying a home is one of the biggest financial milestones in life, and it all starts with saving up for that down payment and other associated costs. Whether you're just beginning to think about homeownership or actively planning your purchase, the sooner you start saving, the better. Here are some practical steps to help you build your savings and get closer to the keys of your new home.

1. Set a Clear Savings Goal
Start by understanding how much you need to save. Most lenders recommend putting down at least 5% to 20% of the home's purchase price. For example, on a $250,000 home, a 10% down payment would be $25,000. Don’t forget to factor in closing costs, moving expenses, and a cushion for any initial repairs or furnishings.

2. Create a Budget and Track Expenses
Building a budget is essential. Look at your current income and expenses to see where your money is going. Tracking your spending will help you identify areas where you can cut back. Even small changes like reducing takeout meals or canceling unused subscriptions can free up cash for savings.

3. Open a Dedicated Savings Account
​Keeping your home savings separate from your everyday spending account can reduce the temptation to dip into your funds. Look for a high-yield savings account to earn more interest while you save.

4. Automate Your Savings
Set up automatic transfers to your savings account on payday. Treat your savings like a monthly bill that must be paid. This ensures consistency and helps build your balance without extra thought.

5. Cut Unnecessary Expenses
Be honest about your spending habits. Can you downsize your car? Cut back on vacations? Shop more strategically? Redirecting those savings can accelerate your path to homeownership.

6. Take on a Side Hustle
Earning extra income can give your savings a big boost. Whether it's freelancing, rideshare driving, or selling unused items online, every dollar you earn can get you closer to your goal.

7. Use Windfalls Wisely
Tax refunds, bonuses, or financial gifts can significantly impact your savings. Instead of spending these extras, deposit them directly into your home fund.

8. Explore First-Time Homebuyer Programs
Many states and communities offer assistance programs that help first-time buyers with down payments, closing costs, or low-interest loans. Research what's available in your area—it could shorten your savings timeline.

Final Thoughts
Saving for a home may feel daunting at first, but with the right plan and discipline, it’s absolutely achievable. The key is to start early, stay focused, and make your savings a priority. Every step you take gets you one step closer to owning a place to call your own.

Whether you're planning to buy a home, apply for a car loan, or simply want financial stability, a good credit score is essential. For first-time buyers especially, building and maintaining strong credit can open doors to better loan terms, lower interest rates, and more financial opportunities. Here’s how to start building credit the right way.

1. Understand What Credit Is and Why It Matters
Credit is your financial reputation. It tells lenders how responsible you are with borrowing and repaying money. Your credit score is based on several factors, including:

• Payment history
• Amounts owed
• Length of credit history
• Types of credit
• Recent credit inquiries

The higher your score (usually 300–850), the better your chances of getting approved for loans or credit—and at more favorable terms.

2. Start With a Secured Credit Card
If you're new to credit, a secured credit card is a great first step. This type of card requires a cash deposit that acts as your credit limit. Use it responsibly and pay the balance off on time each month to build positive credit history.

Tip: Keep your balance below 30% of the credit limit to show you're using credit wisely.

3. Become an Authorized User
Ask a trusted family member (with good credit) to add you as an authorized user on one of their credit cards. You don’t even have to use the card—just being associated with a well-managed account can help you establish credit.

4. Make Payments On Time—Every Time
Payment history makes up the largest portion of your credit score. Set up automatic payments or reminders so you never miss a due date. Even one late payment can hurt your score.

5. Use Credit Responsibly
Building credit isn’t about how much you borrow—it's about how you manage it. Avoid maxing out your credit cards and try to pay more than the minimum balance whenever possible.

6. Apply for Credit Sparingly
Too many hard inquiries (like applying for multiple cards or loans in a short period) can lower your score. Only apply when necessary, and do your research beforehand to choose the best option.

7. Monitor Your Credit Regularly
Use free credit monitoring services or request a free credit report once a year at AnnualCreditReport.com. This helps you track your progress and catch errors or signs of identity theft early.

Final Thought
​Building credit takes time, but every smart move you make adds up. Start small, be consistent, and keep your financial goals in focus. If you're planning to buy a home in the future, strong credit will help you qualify for better mortgage rates and more flexible loan options.

​Are you torn between investing in the stock market or real estate? In this video, we'll weigh the benefits and drawbacks of each option, helping you make an informed decision that aligns with your financial goals. Whether you're a seasoned investor or just starting out, this video is perfect for anyone looking to build wealth and secure their financial future. From diversification and risk management to cash flow and long-term appreciation, we'll cover it all. So, which is better - stocks or real estate? Let's find out!

Buying a home is one of the most exciting—and significant—investments you’ll ever make. Whether you’re a first-time buyer or moving into your next home, the process can feel overwhelming without the right guidance. As a real estate professional, my goal is to make sure you feel informed, confident, and prepared every step of the way.

1. Know What You Can Afford
Before you start browsing listings, it’s crucial to know your budget. Speak with a mortgage lender to get pre-approved and understand how much home you can realistically afford. A pre-approval also strengthens your offer once you find the right property.

2. Make a List of Must-Haves
Identify what you need versus what you want. Do you need a certain number of bedrooms? Is a big backyard or walkable neighborhood important to you? Knowing your priorities will help you focus your search and avoid wasting time on homes that don’t fit your lifestyle.

3. Work With a Local Real Estate Agent
A knowledgeable real estate agent is your greatest asset. We have access to the latest listings, understand local market trends, and can negotiate on your behalf. We’ll also guide you through inspections, paperwork, and closing day so nothing gets missed.

4. Be Ready to Act Quickly
In today’s competitive market, the best homes don’t last long. If you find a property you love, be prepared to make a strong, timely offer. Your agent will help craft a competitive offer that gives you the best chance of acceptance.

5. Don’t Skip the Inspection
A home inspection is a crucial step. It uncovers any potential issues with the property—big or small—so you’re not caught off guard after moving in. Depending on the results, you may want to renegotiate the terms or ask the seller to make repairs.

6. Understand the Closing Process
Once your offer is accepted, the home enters escrow. During this time, you’ll finalize your loan, complete inspections, and review documents. Your agent and lender will walk you through each step until it’s time to close and get the keys to your new home.

Thinking About Buying a Home? Let's Talk.
As a dedicated real estate agent in Southeast Michigan, I’m here to simplify the home buying journey and help you find the perfect place to call home. Reach out today to start the conversation—you’re closer to your new home than you think!

Connect with Jason Gelios here

​Are you tired of not having the right tools for the job? As a homeowner, it's essential to have the necessary tools to tackle any task that comes your way. In this video, we'll be covering the must-have tools that every homeowner needs to know about. From basic DIY projects to more complex renovations, we've got you covered. Whether you're a seasoned DIY expert or just starting out, this video is perfect for anyone looking to upgrade their toolkit. So, what are you waiting for? Watch now and discover the essential tools every homeowner needs to succeed!