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Tyler Smith- Realtor

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Louisville, KY
Tyler Smith- Realtor

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I'm a licensed Kentucky Realtor serving Taylorsville, Spencer County, and the greater Louisville metro area.

I specialize in working with buyers — from first-time homebuyers to families relocating to Spencer County's growing communities

11/02/2026

Roof red flags 🚩

You can read a roof from the driveway. Look for
Shingles curling at the edges or missing entirely. Dark streaks (usually algae, cosmetic) versus sagging lines (structural, not cosmetic). Granules piling in the gutters, which means shingles are aging out. Flashing around chimneys that looks patched with tar.

Asphalt shingle roofs generally run 20 to 30 years. Ask the age on every home you tour. A roof at year 24 isn't a dealbreaker, but it belongs in your offer math.

10/30/2026

Know the House.
For 30 days we're going component by component through what inspectors look at, what buyers should look at, and how to tell a cosmetic flaw from a five-figure problem.

Roofs, HVAC, electrical panels, foundations, septic, wells, radon, crawl spaces. By the end of the month you'll walk a showing with better eyes than most buyers ever develop.

Homeowners, stick around too. Everything in this series doubles as a maintenance heads-up for the house you already own.

10/29/2026

If this month's mortgage series taught you something, do me one favor:

Think of the one person in your life who keeps saying "we should really buy a house."

Send them this page, or send me their name with a warm intro. I'll take care of them the way I'd want someone taking care of my family: straight answers, no pressure, their timeline.

That's the whole ask. Thanks for reading this month.

10/27/2026

The cost of waiting

Quick math for renters watching from the sidelines:

$1400 rent x 12 months = $16,800 a year building someone else's equity.

Meanwhile, a buyer's payment on a comparable home builds their own, plus whatever the market appreciates.

Waiting is sometimes right: unstable income, a move coming, credit repair in progress. But "waiting for the perfect market" usually just means paying rent longer. If you want the real rent-vs-buy math on your numbers, message me. It takes ten minutes.

10/26/2026

Rules of thumb, handled with care

"You can afford a house worth 3x your income." You've heard it. Please don't shop with it.
Rules of thumb ignore your actual rate, your down payment, your debts, property taxes, and insurance, and each of those swings the real answer by tens of thousands.

The number that matters is the monthly payment you can carry comfortably, translated backward into a price. A lender does that math in one conversation. Shortcuts are for road trips, not mortgages.

10/25/2026

Buying after credit trouble

Bankruptcy or foreclosure in your past does not mean renting forever. Loan programs have waiting periods, generally a few years depending on the program and the event, and the clock may already be further along than you think.

What matters as much as the calendar: what your credit shows since. On-time payments, rebuilt score, stable income.

If a rough chapter is the reason you've written off buying, a 15-minute lender conversation will tell you exactly where you stand. I'll make the introduction.

10/24/2026

Personal: slow cooker season

It's officially slow cooker season at my house.

Current rotation: My wife's delicious potato soup

Give me your best set-it-and-forget-it recipe in the comments. Bonus respect for anything that survives an eight-hour workday and still tastes intentional.

10/23/2026

Self-employed buyers

Self-employed and think you can't get a mortgage? You can. It just runs different.
Lenders typically want two years of tax returns and will qualify you on your NET income after write-offs.

That's the catch: aggressive deductions shrink the income a lender can count. Some buyers coordinate with their CPA a year ahead of purchasing for exactly this reason.

There are also bank-statement loan programs for strong earners with heavy write-offs. If 1099 life has kept you renting, let's get you in front of the right lender.

10/22/2026

Local: the lake in fall

Taylorsville Lake in October might be the best-kept... no. Let me say it straight: the lake in fall is the best version of the lake. Color on the hills, empty coves, cool mornings on the water.

If you're a buyer weighing Spencer County, come out on a fall Saturday. The summer crowds tell you one story. October tells you the real one.

10/21/2026

Maintenance: furnace check

First cold snap is coming. Before it does:

Change the furnace filter. Test the heat now, on a mild day, not the first freezing night when every HVAC company's phone is ringing. If the system is older, a professional tune-up runs a modest fee and catches cracked heat exchangers and failing igniters early.

Also tonight: test your carbon monoxide detectors. Heating season is when they earn their keep.

Address

10525 Timberwood Cir Suite 100
Louisville, KY
40023

Telephone

+15023029001

Website

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