Short-term rental, long-term and multifamily, Destin to Tampa Bay. Underwritten before you see them.
Investing
Deal flow curated to your criteria, underwritten the way you analyze, from owner-operators who understand the risk & reward.
Invest →Relocating
PCS timelines, VA loan mechanics, BAH-to-payment math and commute-to-gate geography, from a former US Air Force fighter pilot.
Relocate →737 closed transactions representing $322.8M in sales volume since 2019. 66% buyer-side representation.
eXp Realty and SkySlope transaction records through 26 Sep 2026 · Google and Zillow reviews
The difference
Team Roar’s agents own and operate their own portfolios: short-term and long-term rentals, mobile home and RV parks, multifamily. We run a property management company too. What a property costs after closing is not a guess.
| Stage | Typical agent | Investor-operator |
|---|---|---|
| Underwriting | Runs a mortgage payment. | Runs the analysis. Understands cash flow, cap rate, DSCR and break-even occupancy before the showing. |
| Operating cost | Estimates from the listing sheet. | Prices insurance, assessments and management from local knowledge. |
| After closing | Sends a closing gift. | Self manages and owns a property management company. Knows what turnover, vacancy and repairs cost. |
| Exit | Lists it when you call. | Has bought, held, refinanced and sold his own. Plans the exit at acquisition. |
Run the numbers
Insurance, condo assessments and short-term rental ordinances are the three variables that kill Florida deals. Most calculators bury them. This one leads with them.
Furnishing a coastal STR typically runs $20–50K. It's real cash at close and it belongs in cash-on-cash.
Defaults to 1% of purchase price until you move it. Confirm the actual bill and whether homestead applies.
Defaults to 1.1% of purchase price until you move it. Wind and flood zone, roof age and year built drive the spread more than square footage.
Post-Surfside reserve funding. Ask for the SIRS and reserve study; a 2024–26 assessment is common on coastal condos built before 1995.
Zero if you self-manage, which most of our clients do. Full-service STR management on the coast runs 15–25% of gross.
Airbnb and VRBO host-side fees. Guest-side fees don't touch your gross.
Charged as a flat monthly figure — about 2.5% of revenue. Counted once, on this basis only.
Averaged across the year. Guest-paid cleaning fees offset this; net it out or enter the shortfall.
Linens, restocking, hot tub chemicals, alarm monitoring, license and permit renewals.
Before any expense. Pull it from comparable AirDNA or owner statements for the same building or street.
Add the address and basics if you have them. They're sent with your scenario so we can look at the property with you.
Closing costs estimated at 3% of price. Loan assumes a fixed-rate amortizing mortgage. Not a lending or tax opinion.
Emerald Coast
Destin · Miramar Beach · Santa Rosa Beach · 30A · Seaside · Rosemary Beach · Alys Beach · Inlet Beach · Panama City Beach
Proven short-term rental performance in a region built for it, without the zoning restrictions that undercut returns in less permissive markets. A small condo on the water or a large luxury rental, the Emerald Coast has it.
Tampa Bay
Tampa · St. Petersburg · Clearwater · Bradenton · Wesley Chapel · Lakeland and Surrounding Areas
Bradenton currently offers the biggest draw and the friendliest regulatory environment for short-term rental investors. In Tampa and St. Pete proper, medium-term and padsplit investors remain quite active.
Read the full review →I genuinely would not buy another property in Florida without them by my side.
Phenomenal team. Proactive and professional well beyond the norm. Would recommend in a heartbeat.
Matt and his team are absolute rockstars. When I first wanted to break into real estate, he got us under contract on a profitable Airbnb across the country in 2 weeks. When we wanted to sell our property a few years later, he helped us close a deal with very little work on our ends. It was our first venture into real estate and it was emotional for us, but Matt not only handled the tactical execution of the closing process, he helped us make the right decisions along the way. He was a true mentor and advisor, not just our agent. I am glad he has the investor mindset to help us. I would 10/10 use Matt and his team again!
Thirty minutes on the calendar. If you ran the numbers above, send them first and the call starts with the property, not the introduction.
Book a strategy callTeam Roar · brokered by eXp Realty LLC