In this episode, Zane Lefko joins us from The John Galt Insurance Agency. Zane is a well known Insurance agent from the South Florida area.

He comes on this episode with a ton of knowledge to share on homeowners insurance and the misconceptions people have about their policies.

Zane breaks down and helps us expose the most common myths most South Florida residents have about their homeowner insurance policies. He also gives great advice and tips on how to get the most out of your home insurance policies.

One common myth we expose on the show are for those living east of I-95 who believe they are limited to only one insurance carrier ( Citizens Trust). Is it true? Listen in to find out.  You definitely do not want to miss this one.

Here Are The Show Notes For This Podcast Episode:

1:25 – How Zane got started in Homeowners Insurance

2:20 – Are Personal Possessions / Property Covered in your Homeowners Insurance?

3:55 – Is Mold covered under your home insurance when discovered after purchasing your home?

5:34 – Is Flood damage covered under your home insurance policy?

7:54 – * Home Owner Tip * Call Your Claims Agent with questions about your policy or claims. They work for you.

8:45 – Is Citizens Trust the only home insurance provider that will cover homes east of I-95?

10:33 – Are vehicles covered under your home insurance if there is a home fire and your is in the garage ?

11:25 – How is the amount of your coverage for home damages and home dwelling determined in your policy?

12:20 – Why your replacement amount to rebuild your home may not match the market value amount of your home?

14:13 – Are items like your water heater or HVAC covered under your homeowners insurance?

15:29 – Will your insurance premiums go up after a claim?

16:15 – The reason for getting dropped by your home insurance company when you never filled a claim?

17:45 – What Zane Lefko likes to do for fun in South Florida?


Connect With Zane Through Social Media:


Contact Information:

Direct: (954) 657-9298

Thanks for Listening!

Thanks so much for joining me on this episode. Have some feedback you’d like to share? Leave a note in the comment section below!

If you enjoyed this episode, please share it using the social media buttons you see on the left of this post.

Also, please leave an honest review for Sam The Realtor Podcast on iTunes. Ratings and reviews are extremely helpful and greatly appreciated! They do matter in the rankings of the show, and I read each and every one of them.

Many Thanks to Zane for joining me on the show. I’ll see you guys soon!

Please Share this Post!

Please share this post with someone who you think would benefit from listening to this interview.

If you want to get started investing in real estate or vacation property in south Florida contact me and lets talk about your goals.

In this episode Oltin Roschi is back to discuss how Foreign Nationals coming to South Florida on an L1 Visa can obtain a home loan. Oltin was on a previous podcast episode where he talked about the home loan process. There was a lot of great information on that episode. Especially if you were looking to purchase a home in South Florida and wanted to know more about the process.

If you are not familiar with the L-1 visa. It is a visa document used to enter the United States for the purpose of work in L-1 status. It is a non-immigrant visa, and is valid for a relatively short amount of time, from three months to five years with extensions. The maximum stay is seven years.

L-1 visas are available to employees of an international company with offices in both the United States and abroad. The visa allows such foreign workers to relocate to the corporation’s US office after having worked abroad for the company for at least one continuous year within the previous three prior to admission in the US.

Oltin will discuss how foreign nationals under the L1 visa can obtain financing if they will be relocating to the U.S. Especially if they will be accompanied by their family. It is a great informative episode. I hope you enjoy it.


Pocast Episode Show Notes:

0:57  The L1 Visa Program Explained ( What Is the L1 Visa Program ).

2:37  What is the Process for getting the L1 Visa to enter and work in the U.S. ?

4:20  Establishing Credit Once In The U.S To Qualify For A Mortgage.

7:14  Becoming qualified for financing. Vetting your income for a mortgage in the U.S

13:10 Are there any Income Qualifications?

14:55 How long can you stay in U.S on the L1 Visa?

16:10 Are financing terms the same as someone who is a resident of the U.S?

17:54 Differences with an EB5 and obtaining financing.

20:35 Does it take longer to close loans for a foreign national?

23:46 Are the closing costs the same for foreign national loans?

25:05 Can foreign nationals refinance their home loan?

26:20 Are foreign nationals required to inform the U.S Government about their newly acquired home loan? Does special documentation need to be submitted once the loan is obtained?

29:47 Case scenario and tips about bringing money from another country into the U.S for a down payment on a home as a foreign national.

35:35 Remaining thoughts for foreign nationals on obtaining an L1 or EB visas in order to enter the U.S.



Understanding L1 Visa Requirements –

Understanding EB Visa Requirements –

Oltin Roschi Contact Info-

US Mortgage of Florida

Cell: 954-803-0164
Fax:  888-396-1656



Jasper Ribbers Airbnb Expert and HostIn this episode, it was my pleasure to welcome Jasper Ribbers from the well known podcast Get Paid For Your Pad. Jasper is a well known Airbnb expert and Airbnb host. He has made a good living renting out his apartment in Amsterdam on the Airbnb platform. So much so, it has allowed him to travel the world and stay in many different Countries absorbing the culture for an extended period of time.

I thought it would be great to have him on the show and breakdown the Airbnb business model from a real estate investors point of view.

From purchasing the property to getting your first booking. Jasper takes us on a step by step walk-through on how real estate investors who purchase property in South Florida can use Airbnb as a business model to get a good return on investment.

If you have ever used Airbnb in your travels and wondered how you can setup your own Airbnb business with your investment property. Then you are in for a treat and I promise this episode will not disappoint!

Here Are The Show Notes For This Podcast Episode:

2:59 How Jasper got started with Airbnb.

4:27 The best property types that work well with Airbnb.

7:43 The average ROI you can expect with your Airbnb property based on location and bookings.

9:50 Should you stage your Airbnb property a certain way to appeal to guests?

11:35 Targeting your Airbnb listing to a niche audience.

13:24 Keeping your Airbnb property stocked with supplies, linens and other goodies that guests will appreciate.

14:35 How do you determine pricing or what you will charge per night for your Airbnb rental?

18:33 Jasper and I talk a little about sales and occupancy taxes and tourist taxes. If you live in the state of Florida visit and are planning on using your property for Airbnb. Then you can visit the link in the resources below that provides information on Florida sales and occupancy taxes as well as tourist taxes.

20:30 Making your Airbnb listing standout and getting more bookings for your Airbnb rental.

24:18 Jasper’s thoughts on using pay per click or social media to help get more bookings for your Airbnb rental?

27:30 Thoughts on managing your Airbnb rental. Especially if you are remote hosting (living in another State or Country).

32:02 Using reviews to vet guests that inquire about your Airbnb Rental. How to do it and what to look for.

36:51 Jasper’s thoughts on providing extra activities and services for your guests ( i.e Tours, concierge services, local attractions, cooking, maid service etc ).

38:29 Long term renting vs Airbnb. Pros and cons of each.

40:25 Tools for running your Airbnb Business

42:10 Jasper’s thoughts on what makes an Airbnb experience special for a guest.



Resources Mentioned:

Jasper’s Website ==> Get Paid For Your Pad

Jasper’s Podcast ==> Get Paid For Your Pad

Jasper’s Book ==> Get Paid For Your Pad


Beyond Pricing

Home Away



9 Flats


Transient Rental / Tourism Taxes For Florida 

Palm Beach County Tourist Development Tax

Dade County Tourist Development Tax

Broward County Tourist Development Tax


Connect With Jasper Through Social Media:




Thanks for Listening!

Thanks so much for joining me on this episode. Have some feedback you’d like to share? Leave a note in the comment section below!

If you enjoyed this episode, please share it using the social media buttons you see on the left of this post.

Also, please leave an honest review for Sam The Realtor Podcast on iTunes. Ratings and reviews are extremely helpful and greatly appreciated! They do matter in the rankings of the show, and I read each and every one of them.


Many Thanks to Jasper for joining me on the show. I’ll see you guys soon!


Please Share this Post!

Please share this post with someone who you think would benefit from listening to this interview.

If you want to get started investing in real estate or vacation property in south florida contact me and lets talk about your goals.

Oltin_Roshi_US-Mortgage-of-FloridaOltin is a full-time Sr. Loan Officer with US Mortgage of Florida. He is well versed in the world of banking and finance. It was real a pleasure to have him on this episode and discuss obtaining a home loan from a consumer perspective. The home loan process can be a little confusing because there are a lot of moving parts. I was glad to see Oltin able to break down various elements of the home loan process from A to Z.

As a real estate agent I find most consumers looking to purchase a home do not fully understand how home loans work. It can be intimidating having to understand interest rates, loan terms, and other financial details. If not properly explained, it can lead to confusion or some misunderstandings about the loan process. Oltin was a complete pro on this interview and was able give us a better understanding of the home loan process and what to expect.

Hopefully you too will enjoy this episode! Don’t forget you can leave your comments below to chime in. Also if you want to hear certain topics in our discussion, you can always reference the show notes below.

Show Notes

1:12 Oltin’s Background in the mortgage business.

5:30 How do you know what type of loan you will qualify for?

8:32 The documents you will need to get the loan process started?

10:05 The difference between a pre-approval letter and a pre-qualification letter.

14:35 How much funds should you put as a down payment towards the purchase of your home?

21:00 Explanation and discussion on home interest rates.

27:25 The difference between getting a fixed rate mortgage and an adjustable rate.

31:40 Understanding the timing of locking in interest rates and the best time to do it.

35:10 Preparing for closing. What you need to know and what you should expect.

37:30 What happens in the loan process when the bank sends out a request to do an appraisal?

42:35 What other costs could a borrower expect at the closing table?

47:20 Oltin’s favorite thing to do in South Florida

48:30 How you can reach Oltin for home loan questions.

Oltin’s contact information:

US Mortgage of Florida

Cell: 954-803-0164
Fax:  888-396-1656


Oltin’s Social Media Profile:



Tomond is a full-time real estate entrepreneur with more than 15 years of real estate, accounting and finance experience. He is the Owner and Founder of Jack Davis Realty, LLC, a real estate brokerage firm serving residential real estate investors and homeowners across metro Atlanta.

Tomond is an expert in the Atlanta real estate market, one of the best and unique investing markets in the U.S. for single family and small multi-family homes. I was excited to have him on the show and give us his insight into the Atlanta Real Estate Market.

Show Notes

1:08 Tomond’s Real Estate Background.

6:09 Tomond’s Thought’s On Real Estate Investing in 2015 Going Into 2016 in Atlanta.

7:53 What Makes Atlanta So Attractive to Outside Real Estate Investors?

9:01 The Atlanta Belt Line Project ( Atlanta Beltline Organization)

9:46 What Outside Real Estate Investors Should Know Before Investing In the Atlanta Real Estate Market.

12:35 The Challenges for Outside Investors Looking To Invest In Atlanta.

13:37 Which Property Type or Asset Class In Atlanta Gives The Best ROI?

16:39 Thoughts On Atlanta’s Rental Market.

17:22 Thoughts On Finding Good Property Management In Atlanta for the Outside Real Estate Investor.

23:00 If I’m Selling My Investment Property In Atlanta. What Are Average Days On The Market?

26:38 Tomond Gives His Thoughts On How Long We Can Expect The Real Estate Market Will Continue To Flourish In Atlanta.

28:11 Closing Thoughts For Outside Investors Looking To Buy Property In Atlanta.

31:02 How You Can Reach Tomond Jack.

Tomond Jack’s Social Media Profiles:







In my very first episode, I invited Kristie Estevez, Esq of the Estevez Law Group to give us some Q&A on Understanding Home Titles and Title Insurance.

Kristie was born and raised in Miami, Florida. She completed a bachelor’s degree at the University of South Florida in Tampa. Then returned to Miami to complete a law degree at the University of Miami. Although having practiced in several different areas of law, her passion and focus has been real estate transactions from contract to closing.

She loves to help others achieve the American Dream of owning their own home. Whether it is their first or tenth transaction. She takes great pleasure in serving her community as an attorney and title agent.

In this episode we cover the following:

  • What is Title Insurance and is it necessary for home buyers?
  • What do home Title Insurance polices cover?
  • As a Buyer or Seller how are your funds handled in a Real Estate Transaction?
  • How to choose a Title Agent or Company to work with?

We cover a lot more of the real estate process in this Q&A session.

After listening to this episode please be sure to leave your comments below.

Also if you have any questions for Kristie or would like to reach out to her please contact her below or through her social media profiles.



Kristie M. Estevez, Esq.
Estevez Law Group, PA
2300 W. 84 Street, Suite 109
Miami Lakes, FL 33016
Tel. 305-707-0602
Fax 305-504-8494



Welcome to the Podcast show “Sam the Realtor”.


Transcript of this episode below:


Hello, everyone. Welcome to my podcast: Sam the Realtor. My name is Samuel Awosolu. I’ll be your host. I’m a real estate agent, part-time investor, and entrepreneur. I’m currently living in the Fort Lauderdale, Florida, area. I transitioned from a long career in healthcare to pursue real estate as a residential and commercial sales agent. I represent buyers, sellers, and investors. They come from all over the world.

My plan for this podcast is to become a resource to you, become that person you go to when you want to find out information about South Florida real estate. On my show, I plan on having industry experts in the real estate industry. Particularly in the state of Florida and beyond. These are people that are experts in their field. They include real estate attorneys, title agents, appraisers, home inspectors, mortgage lenders, other agents that specialize in other areas of real estate, photographers, stagers, you name it. If they have anything to do with the real estate process or the transaction, I will interview them and have them on this show so that they can provide their expertise and knowledge to you so that you can do your proper due diligence and make good decisions when buying or selling real estate in South Florida.

If you want to connect and link with me, make sure you visit my site at On there I have all my social media profiles. I’m on Facebook, Twitter, Instagram. You’ll find me on all those platforms. Also, I’m on Periscope. Periscope is a live broadcasting platform. I’m usually all over South Florida, particularly in Fort Lauderdale, Pompano Beach. Sometimes you’ll find me in Miami Beach or the Keys. Basically, I’ll will be talking about local communities, events, and real estate. I want you to look at South Florida through my eyes. I’ll show these properties to you so you can get a feel for what it’s like to live down here in South Florida. I’ll also be interviewing people live on those broadcast platforms as well.

Make sure you follow me on those social media profiles so you can stay up-to-date with what’s going on. I also want you to subscribe to the Sam the Realtor podcast so you can get up to date and current episodes. If you need to reach or contact me directly, my number is 954-361-3831. Thank you guys for tuning in. Be sure to look out for the next episode coming soon.