Dani Kubrusly

Investment strategy

New construction: you are buying a contract and a timeline, not only a house

New construction looks like the simplest purchase and behaves like the most procedural one. The house does not exist yet; what exists is a builder, a lot, a floor plan, a deposit schedule and a set of deadlines you agree to in advance.

What this strategy is

You buy from a builder — either a home already under construction or standing inventory, or a home to be built on a specific lot. The appeal is a property with new systems, current construction standards and warranty coverage. The cost is time and process: the purchase runs on the builder's calendar.

What you are actually choosing

  • The builder: how they contract, how they communicate and how they handle warranty items.
  • The lot: orientation, size, what is behind it, and what will eventually be built next to it.
  • The floor plan, and how it works for the way the home will be used.
  • The phase of the community, which decides whether you live beside construction.
  • Structural options, which are chosen early and cannot be added later.
  • Design center selections, which are where budgets quietly grow.

Deposits, contract and timeline

Builder contracts are written by the builder. Deposit amounts and schedules, what happens if the timeline slips, what happens if financing changes, how options are priced and what is refundable are all defined there. Read them before signing, not after. Construction timelines can move for reasons nobody controls — materials, labour, weather, inspections — so a plan that depends on a fixed delivery date is fragile.

Incentives exist in this market and change often. This site does not publish current incentives, because a number that is outdated by a week is worse than no number. They are verified directly with the builder at the moment you are deciding.

Inspection, closing and warranty

A new home should still be independently inspected — during construction where allowed, and before closing. Builder walkthroughs are useful, but they are the builder's process. After closing, warranty coverage applies to defined items for defined periods, and how a builder actually responds to warranty requests is worth asking about while you can still choose a different one.

Resale considerations

While a community is still selling, your resale competes with the builder — who can adjust price, offer incentives and deliver a brand-new home. That is not a reason to avoid new construction; it is a reason to be realistic about the horizon and to think about what will distinguish your home later: lot, plan, and the options that are hard to replicate.

Costs and risks

What to plan for and what can go wrong.

No invented amounts: the real figures depend on the property, the community and the moment — and get built with you.

Costs to consider

  • Deposits during construction, on the builder's schedule.
  • Structural and design options above the base price.
  • Closing costs, sometimes tied to using the builder's lender.
  • Property tax, which is reassessed after the home is completed.
  • Insurance from the moment of closing.
  • HOA dues and community assessments, including CDD where it exists.
  • Items rarely included: landscaping details, blinds, fencing, appliances depending on the package.
  • Independent inspection.

Risks and trade-offs

  • Timelines move, and your plans have to absorb that.
  • Living next to active construction in early phases.
  • Design center selections can expand the budget quickly.
  • Competing with the builder on resale while the community is still selling.
  • Financing conditions can change between contract and closing.
  • The final surroundings are not fully visible on the day you sign.

Market context

Official data, not projections.

Permit activity is an Orlando metro series and describes the pipeline of the region, not the schedule of any individual community.

Housing structures authorized by building permits

1,857

structures authorized

−28.5% vs. a year earlier

June 2026 · monthly series

30-year fixed mortgage rate

6.65%

annual rate

+0.07 percentage points vs. a year earlier

Week ending Aug 20, 2026 · weekly average

Active listings

13,771

active listings

−4.1% vs. a year earlier

July 2026 · monthly series

Imóveis

The criteria we will search against.

No inventory is published here. When the official listing source is connected, this strategy's search will use exactly these criteria.

Search criteria

  • New construction and builder inventory, filtered by community and delivery stage.
  • Product type and plan size, since options vary by builder.
  • Communities where new phases are still being delivered.

Next step

A thirty-minute conversation.

Goals, budget, timing and the regions that fit you — with no obligation.

Talk to Dani