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All Forum Posts by: Drago Stanimirovic

Drago Stanimirovic has started 9 posts and replied 336 times.

Post: Fix-and-Flips During the Holiday Season: Opportunity or Challenge?

Drago Stanimirovic
Posted
  • Lender
  • Miami, FL
  • Posts 364
  • Votes 162

Experienced investors often see the holiday season as an opportunity due to reduced competition and motivated sellers willing to negotiate for faster closings. While contractor availability and supply chain slowdowns are challenges, they plan ahead by securing labor and materials early and building in project buffers. Marketing homes during this period involves creative strategies, such as seasonal staging and targeted online promotions, to attract buyers even amid holiday distractions. Agility and strategic planning help them navigate this season successfully.

Best,
Drago.

Post: Seeking Advice on Wholesaling or Fix-and-Flip Options for Bank-Owned Property

Drago Stanimirovic
Posted
  • Lender
  • Miami, FL
  • Posts 364
  • Votes 162

With the numbers you shared, flipping could be a solid move: buying at $465K, investing $200K in rehab, and targeting an $825K ARV. Though hard money and out-of-pocket expenses add costs and risk, a successful 3-6 month flip could bring significant profit. Ensure you have a trustworthy contractor, a detailed budget, and room for unexpected costs. If you're confident in managing the project and timelines, this could be a worthwhile venture.

Need guidance on financing or navigating your first major flip? I'm here to help.

Best,
Drago.

Post: Fix n Flip 70% rule

Drago Stanimirovic
Posted
  • Lender
  • Miami, FL
  • Posts 364
  • Votes 162

The 70% rule is a solid guideline, but in competitive and higher-priced markets like South Florida, sticking rigidly to it can be challenging. Many experienced investors adapt by targeting deals with slightly higher percentages up to 75-80% while carefully analyzing potential risks and margins. The key is ensuring that even with a slight deviation, there’s still enough room for a healthy profit after costs.

Regarding hard money lenders, many investors use them to leverage their capital and scale up projects, even if it means accepting reduced profit margins due to interest and fees. Using your own cash preserves more profit but limits your deal flow. The decision depends on your access to capital and the level of risk you're comfortable with.

If you need support or financing for your future projects, I'm here to help.

Best,
Drago.

Post: Newbie question - Acceptable Cash-on-Cash Returns?

Drago Stanimirovic
Posted
  • Lender
  • Miami, FL
  • Posts 364
  • Votes 162

Hi Linda,

The Boston real estate market is known for high property prices and lower rental yields compared to other regions. While an 8-12% CoC return is ideal, it's often not practical for first-time investors in competitive, high-demand areas like greater Boston. Returns in the range of 4-7% are more typical for such markets, especially for smaller multifamily homes. These properties usually come with higher acquisition costs and tighter margins, impacting initial CoC returns.

If you'd like further clarification or help navigating your specific investment, I'm here to assist.

Best,
Drago.

Post: Exploring States with Minimal Seasonality for Real Estate Investing

Drago Stanimirovic
Posted
  • Lender
  • Miami, FL
  • Posts 364
  • Votes 162

When it comes to real estate investing, many investors recognize that timing is key. Seasonality driven by factors like weather, school schedules, and buyer habits affects housing demand and pricing, often making certain times of the year more favorable for buying or selling. In colder climates, for instance, winter months tend to be slower for real estate transactions, which can impact fix-and-flip timelines, rental demand, and even property values.

However, not all markets are created equal when it comes to seasonality. In some states, particularly those with warmer climates and robust population growth, seasonality plays a less significant role. For investors, this means there may be more flexibility and stability year-round. Let’s mention some of the top U.S. states where seasonality is less impactful and real estate investment opportunities remain steady.

Florida: The Sunshine State with Year-Round Demand

Florida has long been a hotspot for real estate, and not just because of its beaches and warm climate. Known for attracting retirees, snowbirds, and international buyers, Florida’s real estate market sees consistent demand regardless of the season. Cities like Miami, Tampa, and Orlando offer diverse opportunities, from luxury properties to short-term rentals.

While demand peaks during winter, when northern residents flock south, the state experiences fewer slowdowns in the real estate cycle. Florida’s appeal as a retirement destination also means that buyers and renters aren’t bound by traditional school-year schedules, providing a steady stream of demand for housing throughout the year.

Texas: Strong Demand and Economic Growth Drive Stability

Texas boasts a rapidly growing economy, which has fueled a strong and relatively stable real estate market across the state. Metropolitan areas such as Austin, Dallas, and Houston have become major hubs for technology, finance, and energy sectors, attracting both jobseekers and investors from across the country.

While Texas still experiences some seasonal variations, they’re typically less dramatic than in northern states. The state’s population influx and booming job market create a more even demand for housing. Investors find Texas particularly appealing for buy-and-hold strategies, as the ongoing growth sustains property appreciation and rental demand across seasons.

Arizona: A Desert Destination for Year-Round Real Estate Activity

Arizona, particularly cities like Phoenix and Scottsdale, has become a prime location for real estate investors, thanks to its warm climate and appeal to retirees. The state’s popularity among snowbirds (temporary winter residents) helps support demand in the colder months, allowing for a more stable real estate cycle than in states with harsher winters.

Phoenix, for instance, has one of the fastest-growing housing markets in the country, with consistent demand for both primary and secondary residences. Arizona’s steady flow of out-of-state buyers and rental interest, along with its attractive tax environment, makes it a top choice for investors who prefer markets with minimal seasonal fluctuations.

Southern California: Coastal Appeal with High Demand

California as a whole can experience seasonality, especially in its northern regions. However, Southern California—particularly cities like Los Angeles, San Diego, and coastal communities—benefits from a warm climate and constant demand, which helps to mitigate seasonal slowdowns. These areas attract not only residents but also tourists and second-home buyers, maintaining high real estate activity year-round.

While there is a slight dip in demand during winter, Southern California’s diverse economy, international appeal, and housing shortage make it one of the more stable markets for real estate investment. Investors looking for fix-and-flip or rental properties find it easier to maintain occupancy and higher property values in these areas, even outside of peak seasons.

Why Less Seasonality Matters for Real Estate Investors

For real estate investors, markets with less seasonality can offer significant advantages. Year-round demand means less time waiting to list a flip or find tenants for a rental property. It also reduces the likelihood of price fluctuations based solely on seasonal trends, allowing for more predictable cash flow and quicker returns.

Markets with minimal seasonality also provide greater flexibility for investors, who aren’t pressured to time transactions based on seasonal cycles. In states like Florida, Texas, Arizona, and Southern California, investors can typically plan their projects without worrying about weather disruptions or seasonal demand lulls, creating a more consistent path to profit.

Final Thoughts

While traditional real estate wisdom suggests paying attention to the seasons, some markets across the U.S. are far less affected by these changes. Florida, Texas, Arizona, and Southern California are leading examples where strong demand, warm climates, and economic growth contribute to steady year-round activity. For investors seeking stability, flexibility, and reduced seasonal impact, these states are ideal.

Post: Hello BiggerPockets! New PRO here

Drago Stanimirovic
Posted
  • Lender
  • Miami, FL
  • Posts 364
  • Votes 162

Hey Maria,

Welcome to the community! It's fantastic to see someone diving into a variety of strategies like wholesaling, flipping, and now the BRRR method. Each approach brings its own strengths, and the BRRR strategy is excellent for building long-term wealth. Your experience in flipping will likely give you an edge in finding and evaluating properties for BRRR as well.

If you ever need insights on financing to scale up or any advice as you transition into long-term holds, feel free to reach out. Excited to see where your journey takes you!

Best,
Drago

Post: Hello from Charlotte

Drago Stanimirovic
Posted
  • Lender
  • Miami, FL
  • Posts 364
  • Votes 162

Hey there Eric,

Welcome to the real estate investing community! With your background as a physician, you’re in a strong position to get into long-term rentals and even the storage space, both of which offer steady income and relatively low maintenance. Storage facilities, especially, can be a great way to diversify your portfolio without requiring too much hands-on management a good fit given your demanding career.

Feel free to reach out if you need insights on financing options for these ventures or any advice on getting started. Looking forward to seeing where this journey takes you!

Best,
Drago

Post: Hello from Charlotte

Drago Stanimirovic
Posted
  • Lender
  • Miami, FL
  • Posts 364
  • Votes 162

Hey there Eric,

Welcome to the real estate investing community! With your background as a physician, you’re in a strong position to get into long-term rentals and even the storage space, both of which offer steady income and relatively low maintenance. Storage facilities, especially, can be a great way to diversify your portfolio without requiring too much hands-on management a good fit given your demanding career.

Feel free to reach out if you need insights on financing options for these ventures or any advice on getting started. Looking forward to seeing where this journey takes you!

Best,
Drago

Post: Networking & Creating Relationships

Drago Stanimirovic
Posted
  • Lender
  • Miami, FL
  • Posts 364
  • Votes 162

Hey Lucas,

Great to see someone with your drive and commitment stepping into commercial real estate! Your background in NCAA football, paired with that local Orlando insight, will go a long way in making you a trusted advisor. Your focus on clear communication and client transparency is exactly what’s needed in this business. Keep leveraging that work ethic and local expertise, and you’re bound to make some powerful connections.

If you’re ever looking for financing insights or a lending partner for your clients, I’d be happy to chat. Wishing you the best as you dive deeper into the industry!

Best, Drago

Post: Mother of 2 Teen girls w/2 short ter, 1 long term, 1 fixer-upper, 2 lot and growing.

Drago Stanimirovic
Posted
  • Lender
  • Miami, FL
  • Posts 364
  • Votes 162

Hi Elia,

With your experience and drive, scaling your portfolio is within reach. Here’s a focused approach:

  1. Expand in High-Yield Markets: Look beyond North Carolina to high-demand short-term rental spots like Nashville or international markets (e.g., Mexico, Costa Rica) for diverse, stable cash flow.
  2. Invest in Multi-Family Value-Adds: Consider multi-family properties in growth areas like Texas or Florida where rehab can increase rental income and appreciation.
  3. Leverage Trusted International Partners: For global investments, work with local agents familiar with foreign buyer regulations to streamline acquisitions.
  4. Use Property Management for Scalability: As you grow, property managers can handle logistics, especially for out-of-state or international assets, so you can focus on new opportunities.

For specific market insights or connections, feel free to reach out, I’d be happy to help.

Best,
Drago