Financing
Carrying Costs That Affect Your Return
July 24, 2026 · 2 min read
HOA, CDD, insurance, and taxes, and how they shape an investment's numbers.
Gross rent is only the beginning. For an accurate return, model the full carrying cost of a new-construction investment.
- HOA dues and any master-association fees
- CDD assessments (often on the tax bill)
- Homeowner's insurance, which can be substantial in Florida
- Property taxes and how they reset after a sale
- Vacancy, management, and maintenance reserves
We help you build a realistic model so the deal pencils out before you commit, not after.