Calling ALL first time buyers!

So, you have been thinking of BUYING and dumping your landlord? It’s about time!

When I say “it’s about time” I mean actual time. Hear me out .. I have been in the Real Estate Business for many many years, most first time buyers get nervous. What IF, e

What IF, I lose my job and can’t pay my mortgage, What IF something better comes along, What IF I hate where I live once I make this huge purchase? I also hear HOW can I go from renting to owning? WHAT should I do first? WHO should I work with or should I go about it on my own?

These are common fears first time buyers have – they are normal fears – so let me share with you a few tips on how to prioritize this process to make it simple. Keep in mind I do not care if you are in NYC, Maryland, Virginia, California or EUROPE – geography has no play in this, these tips work all across the globe.

FIRST: Make a FIRM decision that the timing is right for YOU – not what others say online or in the media.

SECOND: Take a look at your finances, look at how much money you can put down on a home and take a good look at your credit. Call a mortgage professional if you need recommendations let me know ASAP and I will refer you to someone, this applies to USA. This is a critical step in the process as the mortgage lender/financial institution will determine your eligibility to borrow funds and set your purchase limits. Once this step has been started you will be issued what we call a PRE APPROVAL letter.

THIRD: Select 3 areas where you may want to live, neighborhoods that offer things like transportation, accessibility to shopping, commuting whatever your personal needs are. DO NOT get stuck on ONE neighborhood, this is an INDIVIDUAL thing, and your buying power may not meet the market in the area of choice, so always look to the west, east, north and south of your primary choice. Visit the areas 3 xs – AM, PM and weekend. Take mass transit, if you will be relying on that for work reasons and see how it feels. Once you lock in the 3 areas, consult with a REAL ESTATE PROFESSIONAL like myself who can take all of the market conditions and line you up correctly.

FOURTH: Real Estate Exercise – Day 1 – the search begins – based on your pre approval and buying power, this will determine WHAT you can buy – Co-Op, Condo, Single Family or Multi Family. Your Real Estate professional will begin working on your behalf and schedule showings, you will go looking and by looking and getting a feel of WHAT you can buy, WHERE you can buy you will be able to do process of elimination. Remember, buying Real Estate is not just a decision, it is the largest debt of your life(when financing) it is the longest debt of your life (usually 30 years) and its probably the BEST decision you can make as an investment vehicle.

FIFTH: Once your exercise cycle begins, you will trim the fat – hone in and find something that meets at least 80% of your wish list needs. Remember you may not be here for life, since life happens in real time – you never know how your needs will change as you go through life. Once you find something that fits your pre approval and your agent did the math for you it’s time to take the leap of faith and make the offer.

There are no guarantees on whether your offer will be accepted, but you gotta be in it to win it! Keep at it, repeat as needed and drop the fears.

Remember renting is like putting money in the fireplace-it serves a purpose then it’s time to take advantage of some tax incentives and buy Real Estate. It is by far one of the best investment vehicles and offers you a roof over your head that you control. If you can pay your rent, you can and will pay your mortgage! There are things you can do to pay down your mortgage and your Real Estate Pro will guide you accordingly.

AS for HOW – financing – there are tons of options, yeah the rates are still a bit high as of 2-16-2025, but when they drop you can refinance the home, again something your pro can help with. The market has adjusted, it is shifting into a buyers market – and the time to jump in is upon us.

Call me or write to me anytime – igiocoli@tylervincentrealestate.com.

Let’s get you HOME!

Jumping off the deep end part DUEX

What can I say, I am not the daring type but when it comes to idea I have tons of them.

I often find myself thinking of ways to be of better service to people. When I decided to jump off the diving board and go solo as a BROKER in NYC – BROOKLYN people thought I was out of my mind.

How can you? How will you? I said I will just have to figure it all out. I knew it was time to leave the nest of The Corcoran Group – and prior to that I spent a good solid 9 years at ELLIMAN. Ever since I was a teenager I wanted out of my parents NEST so no wonder I always have this fleeting feeling inside of me.

During the pandemic I thought to myself- How can I combine the 2 industries I absolutely LOVE and make something creative and amazing come together? I spent years in the Airline and Travel Industry from 1988 TWA to 2007 – Form working at the ticket counter to handling private jets and planned itineraries for the most discerning travelers. Having had this natural talent for planning and detail, and unnerving eye for perfection my travel career was amazing. Handling people from all walks of life including and not limited to The Clinton Foundation, SJP, Ronnie Guttman and many many more.

As the world began to go luxury and develop the same trend in Real Estate and the USA – I recognize a need for someone like me to blend the 2 worlds – Travel Planning and Real Estate. So many people have been looking to retire outside the USA – this is prime time to bring these 2 passions of mine together. I had an impeccable track record in the Travel Business and now in Real Estate – So, I am happy to announce the opening of Tyler Vincent Travel Services where we can hand curate any vacation and blend in REAL ESTATE at the destination of your choice with a hand selected agent to meet and greet you and show you around!

If you are seeking a 2nd home or retirement home – In the USA or abroad – please call me to discuss and let’s make that Travel / Real Estate dream a reality!

I can’t wait to get this off the ground~

All this hoopla on commission!!

As I sit here shaking my head in disbelief at where the Real Estate Industry is heading I say to myself Imma, why does this still shock you?

Real Estate business is a very fascinating arena, it entails many many moving parts and the T.V. doesn’t do it any justice. Real Estate is not as sexy as they portray it to be, in fact it is very challenging since the only constant we face daily is change.

This change has many many masks, such as the government interference in private sector, the associations of real estate professionals deciding on things without looking at each micro market. Clearly we know Manhattan and Downtown Brooklyn is a totally different game than let’s say Boston MASS.

We are faced with inflation offsets, rising costs of materials which increases costs of housing. We also need to navigate interest rates and so many agents have a hard time riding the wave.

To some, Real Estate seems to be a steady market – ” it only goes up” I’ve heard a 1000 times – yet that is NOT true in micro moments and markets – Real Estate like every other thing on this planet is cyclical. It does go up and is by far for me, the ONLY investment to make. However if you are caught in what I call the “Real Estate WEB” you will lose money on your investment should the need to sell comes at a moment in time where things are on the way down. Let’s talk about commission! EVERY agent that brings about a transaction should be compensated by the SELLER as in NYS we are all sub agents of the seller as so I do not see an issue on this and this should be a STATE to STATE decision in the long run.

When Listing a property the SELLER needs to understand that the commission paid will be split – In NYC my experience over the last 2 decades has been that every one agrees so do the majority of the larger firms. WE ALL AGREE that we need to do business as usual.

The buyer side is super important – imagine having no buyers to buy? Everyone working just the listing end?? Seriously it does take 2 to tango and if we are all disclosing it there should be no issues. I feel the MLS and REBNY needs to disclose the commission – so that it keeps Brokers and Brokerages on the transparent train! WE need to continue co brokering to represent the SELLERS 100%.

Back in the Saddle

Real Estate is one of those businesses that you can simply walk away from then return to whenever you want..However there are a few things you need to know to pull this off when you need to step away.

1-Make sure you remain in constant contact with your Sphere of Influence

2-Make sure you have someone here locally that can show and go

3-Make sure you remain in tune with the market trends

4-Make sure that you keep your license current

It all sounds easier than what it will actually become.

Remain aware and visit once in a while where you can take your clients to coffee or lunch, breakfast or dinner.

During the pandemic many agents grew, some quit and others decided to remain dormant.

The Pandemic brought about a Real Estate change that is still occuring, people are still moving out of the State and into other areas where you can certainly make referrals.

I am now back in the saddle and ready to grow my office and offer to the agents that believe there is no hope for Real Estate my awesome and amazing transformational program.

So if you want to jump back into the saddle and you are not sure of where to start look me up so I can help you on your way!

Take advantage of my experience with customer service, Real Estate Sales, training and mentoring staff and brokering!

ASkimma giocoli on youtube, my office at Tyler Vincent Real Estate Inc. or find me on the web by googling my name – The Be who you are in Business movement is happening and YOU are the missing link!

Sincerely,

Immacolata Giocoli

What does a down arrow really represent?

With these uncertain times, how uncertain are they? Or are we looking at the glass being half full!

My eyes always see opportunity, no matter where we stand. Whether it’s on the way UP, TIPPING or Leveling off heck even if its on the way down!

There is ALWAYS opportunity! SO, why all the down arrows? When searching for Real Estate or evaluating markets the things I look for are arrows, days on market a.k.a. DOM, location, condition and quantity!

Buyers ALWAYS rule the markets all markets – right? RIGHT. Imagine not having a buyer to sell your home to?

Exactly, why the down arrows, the market is for sure shifting, it is on the way down and no that does not mean you are going to lose your shirt because in Real Estate we all know this is a long term investment vehicle – you should visit the case-schiller chart its amazing and accurate.

What goes up MUST come down! Did you learn that in 3rd grade? However hold onto it long enough and you will see that it will rebound, and generally creates a higher peak than where it last left off.

SO, Arrow down means opportunity! Buy LOW sell HIGH – basic economics. WHY is this downturn different than 2008, because we have many moving parts that we did not have in 2008.

We have fear, wars, pandemics and inflation to name just a few. Let’s not forget interest rates! While we ALL feel the hit on gas, food and cost of living we do not all make the same income. Clearly some will feel it alot harder than others but this is the way of life.

Opportunity awaits for people who have cash, can afford the higher rates and are frugal with their money. Real Estate will certainly rebound all the time and the short answer is WE ALL NEED A HOME TO LIVE IN, so whether you rent or buy, we all need that roof.

I look at the down as an opportunity to help people move, sell their homes or refinance their ARM – ADUJUSTABLE RATE MORTGAGES into fixed ones – NOW IS THE TIME –

WHY the gloomy faces? People thought / think the Real Estate market goes only up (they are not wrong however it also comes down) ..when I am asked when should I sell my home, I simply say WHEN you have the need to sell it! GREED usually replies ” what if I wait then sell when the market goes high, if I sell in the down I will lose” I have stories to tell you my friends. Selling your home has to be driven by a Reason to sell not money, its either financial or safety. You can wait assuming you can wait, and see what happens or you can sell now and gather your proceeds and buy on the down…bank the rest. If you sell on the beginning of the dip, hold and buy on the bottom you will be GOLDEN.

If you wait, who knows what will happen and honestly I have had clients who turned down 7.2M ended up with 5.4M , or had 4.7M and ended up with NOTHING – so drop the emotions and make decisions based on the need not the market, not the money – YOUR LIFE DESIRE.

Keep your eyes on the DOWN ARROWS!

Putting the REAL into REAL ESTATE !

When I started selling Real Estate, or rather when I first got licensed I could not believe the amount of caddy, crazy people that are in this business. WAIT! Let me rephrase that – GREEDY – NASTY and down right SNEAKY.

As a Highly Sensitive Person, I was uncomfortable, I felt as if I would NEVER make it. How can I walk amongst these people? I was mortified. The stories I would hear, the lies being told during showings, the secrets of the developers, the real ugly things that give this business the bottom feeder ratings it deserves. After all I think Real Estate “advisors” , Sales agents and Brokers were ranked the least trust worthy people in business .. NOW – HOW could I be a part of that!!!

My inquisitive self said , self there has got to be some good in all this bad because I am always optimistic and I always find the cup is half full never half emtpy; unless its a glass of wine and its mine, then maybe empty…waiting for a refill.

Being this need to know, has to be accurate, rule follower person, who suffered from procrastination, perfectionism and OMGGG a super strong GUT – I asked WHY the need to lie?

I would come home feeling defeated – I would say ” that’s it its not for me” , there is NO way, I do not have a poker face, I can’t spin a story and I for sure 100% refuse to lie. I guess I will NEVER EVER SELL ANYTHING 😦

Low and behold – decades later I not only SELL Real Estate, I continue to attract like minded individuals and the universe is yielding this way – FINALLY – people are no longer out of touch. The Gap is closing.

For the most part – Real Estate has many happy endings, then there are the horror stories. Trust me there are plenty horror stories.

How does a Highly Sensitive Real Estate Agent survive? By being your innate amazing self that is how, by creating magnetic marketing and attracting ONLY people who want true transparency and NOT a fairy tale. By never ever giving up on who you are and by harnessing your super powers.

So, its been 15 years since those dreadful days, now I work for my self. Not only did I overcome fear, not only did I NOT succumb to telling stories NOT only did I tell it like it is, I remained true to my inner core. It has served me well through the years. I do not work with everyone, nor do I take on everything. I say NO.

Especially when we are not aligned because I learned that when you are on opposite ends you will never meet – so, never chase the money – chase the relationships, the lives you will change and the inner guidance you have. Listen closely to its quiet tug, it knows.

So the next time you feel like you are NOT going to make it, or that you need to lie or that someone is telling you a limiting belief SMASH it like the mole game at the carnival and YOU will overcome the snake pits, the lies, the constant duck and weave – people, people like you will gravitate to you and the universe will yield.

Limiting Beliefs? Eagads what is that!!

As a Highly Sensitive Entrepreneur I know how challenging it is to allow limiting beliefs to hold you back, in fact I bet some of the things you think about – you do not categorize as limiting.

Here are a few for you to identify:

Someone told me that Real Estate is really hard

I was told that selling Real Estate requires you to lie and tell stories

Getting listings is near impossible

Landlords will NEVER give me an exclusive listing

or

If I do not list with a large firm my home will never sell

You get what you pay for

Smaller listing fees mean less exposure

or

Bigger companies offer more listing leads

Bigger companies will give me a better reach

Bigger companies have more to offer

These are all limiting beliefs! Every single one of them, just like thinking that more money means more problems, or bigger problems or people with a lot of money are unhappy.

This is all limiting- The human has unlimited potential ( except of course if there is a medical condition to prohibit that) WHY would you allow something limiting to stop you from creating unlimited potential?

What if I told you, that bigger is definitely NOT better, that Real Estate is NOT hard and that smaller listing fees do not deliver less exposure.

What if I told you I can help you shift your perception, unlock your potential and release the invisible chains that bind you!

As a Highly Sensitive Entrepreneur, I use my innate sensitive strengths as super powers.

Whether you are seeking to sell as an Agent, or a homeowner – call me anytime for your FREE Clarity Call I would love to help you release the chains, remove the FEAR and get you on your path!

http://Realestatemissinglinks.com

Putting the REAL into REAL ESTATE

When I made the decision to jump off the deep end without a life jacket I knew a few things could happen.

  1. I may sink
  2. I may not sink

I took the plundge because I knew I would never give up on myself and that I would fight to stay alive in the big sea of Brokerages. Making the final decision to JUMP was by far the scariest part of the whole experience.

The dive off the deep end couldn’t have been more refreshing. Not only did I swim, I learned so much about myself and overcoming fear that I not only know more is ahead, I also know that I want to share my journey with you.

Being an Independent Contractor for the bulk of my adult life gave me the sense that I was in fact Independent but I wasn’t. As a highly sensitive entrepreneur I knew down deep inside something was not feeling right. IS Bigger Better? Was this a limiting belief or was it real? I didn’t FEEL that it was, after all the people that I went out to meet, met me and not Douglas Elliman, they met Me and NOT Corcoran – We either jive or we didn’t.

Jumping off the deep end to pursue my perfectly balanced life work flow and create deals and transactions according to the needs of my clients is why BIGGER was NOT BETTER for me.

How much Independence is there as an IC under the umbrella of a BIG FIRM? NOT MUCH.

They need to overlook everything, you need approvals and signatures from all the layers of nonsense they have created.

Jumping off the deep end allowed me to get to know myself; the way I work and establish a footing I wanted to establish doing things differently.

I wanted to help people, despite how many times I was told this isn’t the business to help people.

I could NOT understand that, we have so much industry knowledge, we have experience in passive income and math formulas and connections how can we not help people?

When I decided Tyler Vincent Real Estate in fact was going to be the Best Little Brokerage in Town, I set out to do just that. I sell all types of NYC Real Estate, in every borough throughout the land. I offer a reduced commission with the same exposure, trust me the buyer will come regardless of who’s name is on the sign so WHY spend 6% when you can spend 4% ? Did you know that on 2M Dollar sale its a savings of 40k!!!! I think 40K can be better used elsewhere like College for your child, new car, or furniture heck donate it!

Jumping off the deep end not only served me well, it serves my community and the communities around me.

If you are thinking of selling, trust an area specialist, who loves to help people move! Who loves to make an impact, while costing you less. So, IS bigger better? Don’t fall for the bells and whistles if it were better I wouldn’t be here writing this story!

Call today for your FREE – no strings attached marketing evaluation!

I can’t wait to hear from you!

Buying and Selling at the same time! EAGADS

Buying and selling at the same time – how to handle it?

So, you’ve decided to pull the old buy-and-sell-at-same-time trick? That’s a tough one, just so you know. Ideally, you’d first sell your home, and the patient homebuyers would wait (as much as it’s necessary) until you’ve found your dream home and moved. Of course, the reality is much different. But, there’s no room for panic or similar feelings. Since you’re here, you might be wondering how to handle the stress of buying and selling at the same time. Just selling your home can be a tough nut to crack. In the article below, we’ll show you everything you need to know about the process. As we’ve mentioned: it’s a tricky one, but it’s doable. So stay tuned.A professional like Immacolata Giocoli, Licensed Real Estate Broker in NYC Tyler Vincent Real Estate handles many contingent sales. When asked about the risk she replied “ Every sale has risks, you should have experience in contingent sales as well as being able to stack them correctly so no one ends up homeless, I love handling complex Real Estate Transactions” !!

What’s the value of your current home? 

Before you do anything else, you’ll have to figure out the value of your current home. In other words: for how much you can sell it. How to achieve that? Well, you can ask the local realtors for help. You’ll need their assistance, anyway. Avoid asking just one, as they might give you a fairytale-ish approximation (to gain your sympathies). Contacting three real estate agents will do the trick to get an objective opinion and an accurate price. Also, while you have the opportunity, talk to them about some improvements to your home that can add value to it. 

Buy yourself a new home first (what a neat option)

If you have enough serious cash on your hands (for a downpayment), buying a new home before selling your old one is the way to go. To demonstrate you can afford both houses, you’ll need to show a six-month worth of payments in the bank for the two of them. Don’t forget about closing costs (real estate commissions, etc.), too. Of course, you can always borrow the money. Talk to your potential lender to see what your options are.

After selling the place, rent it back

In this scenario: the first thing on your list should be selling your old home. You can ask the buyers to rent you the home you’ve just sold for about a month or two (enough for you to find a decent new home and move in) after closing. Folks call this a rent-back contingency. Of course, the new homeowners aren’t obligated in any way to accept your offer, but it’s worth a shot. This can also be a bit tricky because you’ll need to work on a deadline. Not having enough time to act in the right way can lead to all sorts of mistakes. Anyway, once you find a home to your liking, feel free to check out the guys at capitalcitymovers.us to make sure you won’t lose much time leaving the home you’ve already sold to other people.

You can sell your home first and ask the new owners if they’d like to rent you the old place for a month or two after closing. They might not accept your offer, but it’s worth a shot.

Alt. text: A hand holding keys to a home. One way you can deal with buying and selling at the same time is to ask the new owners of your old place to rent it out to you until you find your new home.

Ask for a delay

One of the options you have when buying and selling at the same time concerns finding reasonable buyers. If you and your agent are sure the potential buyers will close in on the deal, you might want to ask them if it would be ok to delay the closing time for a few months (until you find your own place). Also, with some professional help, the tedious job of buying the perfect home can be more manageable. You’ll have enough time to organize everything, and this is probably the best option you come across. Finding patient and reasonable buys is a gift from above.

Stay with your friends or family

The new owners may not love the idea of a delay (presented in the paragraph above). It can happen; it wouldn’t be the first or the last time. Anyway, instead of wasting money on renting an apartment until they buy their new home, some people decide to spend less money by renting a storage unit for their belongings and asking their friends or relatives if it’s ok to stay with them for a little while. You’ll need good social capital for this one, that’s for sure.

And even if you have considerable capital, you will have to work fast to find housing for your family. You don’t want to overstay your welcome after all. If you’re doing apartment hunting in Brooklyn, for example, and you happen to stumble upon a place perfect for your family – you’re in luck. It is pretty competitive there, so move quickly. And then, to ensure your move is also quick and effortless, there are many Brooklyn-based professionals ready to help you. Instead of asking your friends or relatives to help you with the move (they’ve already done too much by letting you stay at their place), hiring pros to handle your relocation is most recommended.

Contingency clause

You can add a contingency clause when buying your new home (before selling the old one), you can add a contingency clause. That means that you cannot guarantee when you will have the opportunity to seal the deal (it’s dependent on the time you’ll sell your home). Considering the state of today’s market – this might not be a good option. Currently, the supply is far below the demand. That can create many multi-bid situations. Imagine another buyer has the cash to close the deal ASAP; you and your contingency clause probably don’t stand a chance. It might sound a bit harsh, but that’s the way it is, unfortunately.

Final words

These were some tips on how to handle buying and selling at the same time. Hopefully, you now have some useful information and know what to expect of the process ahead of you. It will be tough; there’s no other way of putting it. But (because there’s always a but) avoid going into panic mode before anything happens. Who knows? Lady luck might’ve set her eyes on you, and some of the unlikely scenarios we have mentioned above (buyers letting you stay for as long as you want in your old home, for example) might become a reality for you.

Meta description: Wondering how to handle buying and selling at the same time? We’re talking about real estate, of course. Click here to see what you can do.

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Pandemic Buying Hysteria

The Real Estate Market has seen a frenzy in home sales during the pandemic.

Most people thought the market was going to totally collapse. That is not usually the case.

But let’s take a closer look. The National reports are not quite reflective of where we live or desire to live.

So we need to take a closer look. In NYS the housing market was on fire on Long Island and Upstate N.Y.

Rightfully so! The City (5 boroughs ) were totally out of control. Not only did people feel like they were living in bird cages, they had no room to spread out, no room to accomodate working and learning remotely.

There was just not enough space, so many apartment dwellers left the city.

Most fled for space, a yard, an extra room etc. The Pandemic has changed the way buyers look at Real Estate in the sense that now we think ” what if it happens again” ? YES that is possible, buying hysteria caused many people to make poor decisions like over paying, waiving inspections and buying sight unseen.

I never recommend ANY of those choices. FIRST you need to STOP the emotional FEAR rollercoaster and take a deep breath.

Real Estate is one of the most sound investments but can totally be a disaster if you are not being guided correctly or if you choose to buy out of fear.

YES the pandemic was/is scary for sure, now that most people are vaccinating the city is jumping back into action.

Manhattan had a huge dip in pricing, a huge vacancy rate for rentals and that hurt many property owners.

Manhattan also had a decline in Co-op Sales and Condos – people felt they were trapped and needed space – they decided to sell and leave. N.Y.C. was experiencing lots of unrest, protests and out right lawlessness. People did not feel safe.

There are always many variables to the Real Estate Market. It is never driven by 1 factor not even the virus.

Brooklyn also took a major hit and priced declined, apartments were vacant and the effects were very similar to Manhattan.

Both rebounding nicely.

The BRONX – has both massive scale apartment buildings, co-ops and very residential areas – the residential areas did well whereas the heavily populated areas decreased.

Queens, saw a huge uptick – Queens has many suburban style neighborhoods therefore people flocked there to buy a home with outdoor space and extra rooms for remote learning.

Staten Island very similar to Queens, having very suburban areas therefore in some areas saw a major uptick.

Buying Real Estate is like the stock market, you want to buy when it is on the downslide, not the up.

The hysteria caused bidding wars and put people on edge.

Things are simmering down, the outer areas are cooling and Manhattan and Brooklyn are skyrocketing.

Think of it like a see saw! This is all normal until the market stabilized.

So we went from selling in 2 weeks to 3 months. No big deal – but we also dropped at least 10% to 20% in some markets in terms of pricing.

My advice is to always release the fear, the panic and MUST BUY NOW because that drives the market so high you may just be bidding it up to a point where you can be priced out.

If you decide to move or buy Real Estate or a country home, let me know. I am a native New Yorker and have a vast amount of neighborhood knowledge not only in the city.

Stay healthy and safe and breathe.

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