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David Van Singel - Central Florida Real Estate Agent

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David Van Singel - Central Florida Real Estate Agent

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Do you dream of owning a home? I can help put you on the path.

11/04/2026

Now, people were worried about ammendment 3 gutting education by increasing the homestead exemption. The ammendment 3 proposal wouldn't touch the funds given to the schools, it would affect basically everything else. Now, if you have more feelings about how a school is allocating money or what happens in the schools, that is less about the taxes and more who goes on the school boards. If you want to have the biggest voice there, consider running for school board the next time elections come around.

11/03/2026

It seems to me that as we approach the end of the year, people look towards the next year with much more optimism. I would like for rates to go down but not as much as people might think. Yes, I believe everyone wants homes to become more affordable. This is the policy that I think most Americans will agree with. So, with this election, I want rates to go down but not so much that it causes a buying frenzy. Instead, I want rates to come down some but I would rather real wages, specifically in the lower 60% of earners to out pace the growth of housing prices. This will make things more affordable for the average homebuyer. THAT is what I hope happens with the election however, we all know that hopes don't always go that far.

10/31/2026

If you're able to vote, I say you should vote to make your voice heard. Otherwise, why should people listen to you complain when you chose to not make your voice heard when it has more weight? Also, please make sure you research who you're voting for. I hope that you vote for the candidates that you feel will do the best for their area and will align with your values the most.

10/30/2026

If you're looking for some emergency food instead of adding to your emergency fund, do NOT rush to the stores and buy everything you can. Just like in your budget, allocate a little each pay period to build up your stash. This way, you're not stressing the system and you don't cause panic. What is the one thing you always hear in a fire drill? Don't panic. If you panic, you end up making a lot of mistakes and you don't think clearly. Now, lets say that this ends up being a whole lot of nothing. You now have extra food for a time later when you don't feel like cooking. Meanwhile, an emergency fund will be good for when something in life goes wrong. The hit to your lifestyle will still be affected but it won't be as much as you think it is.

10/29/2026

Instead of a ratio like the price to sales, this is harder to manipulate because you're looking at the earnings of a company with less fluff to it. It also helps you determine the profitability of a company by looking at their EBITDA. This way, you're getting a better view of the company as a whole. It strips away the effects of any financing that they may do, any shifts in their tax strategy or, their accounting practices which all of these could be massaged to make a ratio look more appealing. Now, you may be wondering what is a strong ratio looks like and I will say that the lower the ratio, the more undervalued a company may be however, make sure to be industry specific. A lot of these industries may have a different EV/EBITDA than others so make sure you're comapring apples to apples rather than apples to oranges.

10/28/2026

Some may say that they're waiting for the market to crash before the buy a house. If we keep adding inventory and the demand stays constant, we may see quite a shift in the market. Currently, we are seeing that the average months of inventory has gone up for the 4th straight week in a row. We're now sitting at 10.02 months. I think it's safe to say that we're solidly in a neutral market. It feels refreshing to actually be in this type of market. Right now is actually a really strong time for buyers but those that are shopping around right now are rather intentional. Given that there are fewer buyers around right now and we're going into the holidays, sellers that have had their homes on the market for awhile may be more willing to make a deal going into the holidays. If you're interested in buying in Central Florida, DM me and we can chat. I'd love to help you find your next home.

10/27/2026

Now, some will argue that this is the difference between counties and state however, in the entirety, why are we voting on one hand to be able to raise the amount in our rainy day fund in ammendment 1 and voting to cut property taxes in ammendment 3? If the state has so much extra money that they are asking to raise the cap on the rainy day fund aka they're making "too much money", why not lower property taxes so that they don't need as much? So, in my mind, which is it? Are we collecting so much extra that we don't know what to do with it OR if we cut taxes, we are suddenly starving our local counties from needed funding? Again, I think the truth is in the middle, I just don't have the experience, knowledge or, access to tell you where I think that middle is.

10/26/2026

If you're looking to invest money, would you accept a lower interest rate than what a riskless investment would be? I've explained HOW the Federal Reserve will raise or lower rates but I hadn't explained how the relationship works. Now you know. This is also the reason why the Fed could lower their rates but interest rates could stay the same. While when looking at such a massive machine, you might think that it is cold and unfeeling. That can be mostly true but there are also real people behind a lot of these things. This can come with emotions positive or negative. There can also be a bit of greed so I would argue that this is one of the reasons that when the Fed will lower rates, interest rates are slow to go down but fast to go up if the Fed raises rates.

10/24/2026

I would describe skill as mastery over a given task or objective. It's been said that those that can explain a complex idea simply are the ones that truly have mastery over the idea. Like I said, just because you're doing a lot of steps doesn't mean you necessarily have mastery. Personally, I've seen people that look like they're doing an incredibly complex job meanwhile, they don't have an idea how any of the steps work together or even what the reason for the entire process is. Could they learn the process and gain mastery? Sure. I wouldn't call them skilled if they didn't understand anything about the complex idea or task that they are working with.

10/23/2026

You might hear the financial people say that "It's not how much you earn, it's how much you save" and I would liken that phrase to a glass cannon and you have no tank. One little boop from the boss and that wipes your run. Some will say that "the best offense is a good defense" but life gets hard sometimes. You could face a brief attack debuff. Then you're stuck. Obviously, you don't want that. This is why it's good to increase you financial literacy so that you can beat those bosses in life. Now, some of you may ask why I'm not discussing constitution, dexterity or something like special attack. To be honest, I only came up with this while laying in bed this morning so forgive me if there isn't a full 1:1 comparison with any of your favorite game mechanics. If you want me to continue this, leave a comment about what you would like me to cover next.

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1170 Celebration Boulevard
Celebration, FL
34747

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