Ramona Needed Every Dollar of Indianapolis Equity for Her Florida Fresh Start
We’re moving to the Fort Myers area. My credit isn’t great, so I need a real down payment to qualify in Florida, plus seed money for a food truck. Every dollar of equity I got out of this house had to count.
– Ramona
A New Life in Florida and a New Business
Ramona was relocating to Fort Myers, Florida. The plan: pay off the mortgage on the Indianapolis house, take the equity, and use it for a down payment on a Florida home (her credit needed a substantial down to qualify) and seed funding for a food truck business. The 1,400 sq ft, 3-bed, 2-bath, 1978-built house needed a roof replacement, AC repair, pool repair, and interior updates. She could be out in as little as a week if the price was right, but was fine with a ~40-45 day close. She wanted around $200,000. David, also involved in the decision, was helping present offers.
Every Equity Dollar Preserved
No realtor commissions cutting into her down payment.
Closed in Time for Florida
The pace was matched to the relocation, not stretched.
No Roof, No AC, No Pool Work
The scope of needed work became the buyer’s underwriting, not Ramona’s loan.
Here’s What Happened
Real homeowners. Real situations. Real results.
Intro
Why a Traditional Listing Wasn’t an Option
Listing would have meant fixing the roof, AC, and pool first, using exactly the equity Ramona needed for Florida. It would have meant a 60-90 day arc on top of the repair time, with no certainty of close. She’d have arrived in Fort Myers with less cash, less time, and more stress.
Turning point
Finding a Solution That Worked
Chris offered in the $160,000-$175,000 range pending approval. The team understood Ramona’s specific need: maximum cash at close, no commissions, real timeline.
The Decision
A Smooth Path Forward
The contract came together within about six days. No roof work, no AC work, no pool work. The 40-45 day close gave Ramona time to coordinate the Florida move.
The Outcome
Florida With a Real Down Payment and a Food Truck Plan
The deal closed. Ramona walked away with cash. The Florida home down payment was funded. The food truck business had seed money. The house she was leaving became someone else’s project.
Meet Ramona
Relocating to Fort Myers and turning every equity dollar into a fresh start
Home: 1,400 sq ft, 3 bed, 2 bath, 1978-built
Condition: Needed roof, AC, pool repair, and interior updates
Destination: Fort Myers, Florida
Plan: Florida down payment plus food truck seed money
Goal: Around $200,000 with maximum cash at close
Timeline: About 40-45 days, flexible
Priorities: No commissions, no repairs, real timeline
Dealbreaker: Spending Florida equity on Indianapolis repairs
The Problem
A listing would have used the exact equity Ramona needed for her Florida down payment and food truck on repairs to the roof, AC, and pool.
The Solution
An offer in the $160,000-$175,000 range, as-is, no commissions, with a 40-45 day close that matched the relocation.
The Result
The Florida down payment got funded, the food truck got seed money, and the house she was leaving became someone else’s project.
Every dollar of equity I got out of this house was going straight to work.
– Ramona
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Let’s make it easy.