Illustration: aerial view of Brickell and Biscayne Bay at dusk

Residential · Buy

Find the right home with an agent who reads the data first.

From a first condo to a waterfront estate, I help buyers move with conviction: off-market access, real comps on every offer, and a clear read on where each neighborhood is heading. No pressure, just better information.

Run Your Buying Power → Search Listings
Enrique Ponte OjedaLicensed Florida Real Estate Agent · Carmona Realty Group

Buyer toolkit

Know your numbers before you shop.

Estimates · your lender's quote is the real one

Your buying power

Turn a monthly budget into a price range.

Today's 30-year average: 7.40% (Freddie Mac, Oct 8, 2026)

Price range you can target
≈ $951,538

$751,538 loan + $200,000 down · $5,000/mo principal & interest at 7%.

Taxes, insurance and HOA come on top. Model the full monthly cost in the calculator.

Search homes up to $952K → Model the full payment →

The rate is an example. Plug in your lender's actual quote. Pre-approval turns this estimate into a real budget; I'll introduce you to lenders, including cross-border options.

Cash to close

What you'll actually need to bring, roughly.

Cash buyers skip the loan but not the closing costs, and a clean proof of funds makes any offer stronger.

Cash you'll bring to closing
$176,000 – $200,000

$160,000 down payment + $16,000–$40,000 closing costs (2–5%).

Get a deal-specific estimate →

Closing costs in Florida typically run about 2–5% of the price: title, taxes, inspections and lender fees. I'll give you a precise estimate for any specific deal before you offer.

Which buyer are you?

Pick your situation, get the game plan.

First-time buyer
  • Pre-approval first. It sets your real budget and makes your offer credible. I'll introduce a lender who fits.
  • We pick neighborhoods by data: price trend, days on market, what your money actually buys in each pocket.
  • Guided step by step through offer, inspection and closing. No jargon, no pressure, just clarity.
Estimate your monthly payment →
Move-up and luxury buyer
  • Curated search plus off-market and pre-market access. The best homes in this tier often never get listed.
  • Sharp pricing strategy on both sides if you're selling and buying. Sequencing matters as much as price.
  • Discretion as standard: private tours, quiet negotiations, your business stays your business.
Explore off-market access →
International buyer
  • Buy entirely remotely: live video tours, remote notarization and wire transfers. Most of my international buyers never fly in to close.
  • Cross-border lender introductions, and a currency plan so the exchange doesn't eat your budget.
  • The tax and stay topics worth knowing (FIRPTA, rentals, snowbird days), with intros to cross-border CPAs and attorneys.
International buyer resources →
Investor
  • Every deal analyzed with real comps and rental data: gross yield, realistic rent, and the exit, before you offer.
  • Annual, seasonal or short-term strategy, structured to what's actually allowed at the property.
  • Off-market sourcing and building-level intelligence so you buy the line and floor that trades best.
Talk investment strategy →
Educational estimates, not lending advice. Your lender's written quote and pre-approval are the real numbers. Get lender introductions →

How it works

From search to keys, the smart way.

  1. Strategy call

    We get specific on budget, must-haves and timeline, so the search is focused, not a flood of listings.

  2. Get pre-approved

    I connect you with a trusted lender, including cross-border options, so you know your real budget and your offer carries weight.

  3. Search & tour

    MLS inventory plus the pre-market and off-market opportunities my network surfaces before Zillow. Live video tours if you're remote.

  4. Offer & negotiate

    Every offer is backed by comps and current demand, so we negotiate from evidence, and protect you with the right terms.

  5. Close & keys

    I manage inspections, financing and the closing timeline end to end, keeping you informed right up to the keys.

What you get

Start Your Search → 786-578-6900
  • Off-market & pre-market opportunities before the crowd.
  • Real comps and a pricing read on every offer.
  • Neighborhood intelligence, block by block.
  • Lender introductions, including cross-border for international buyers.
  • Honest advice on whether a deal is actually worth it.
  • Full coordination through inspection, financing and closing.

Explore neighborhoods

Start with the right pocket of Miami.

What homes actually closed for in each area, so you can compare before you tour. Tap one to open it on the live map.

All neighborhoods →
BrickellLuxury condo capital$640K median sale$635/SF Coral GablesEstablished prestige$1.5M median sale$801/SF South BeachOceanfront icon$510K median sale$625/SF Coconut GroveWalkable & lush$1.8M median sale$952/SF EdgewaterBayfront new-build$800K median sale$683/SF Key BiscayneIsland living$1.55M median sale$1,017/SF Bal HarbourOceanfront luxury$2.09M median sale$1,057/SF PinecrestLarge lots, top schools$2.31M median sale$734/SF

Tiles show the median closed price and price per square foot of each area's residential sales, Apr 9 to Oct 8, 2026. Miami MLS via Bridge IDX. Photos: Wikimedia Commons credits.

The closed record

Proof, not promises.

Closed record · Miami MLS via Bridge IDX
$6.7M+ Closed sales volume Every dollar MLS-recorded: sales and investment property, listing side and buyer side.
9 Closed deals on record Sales, income property and leases, from first keys to a $22K/month penthouse.
18 days To sell a $3.65M listing The firm's biggest close of 2025, 3.5× faster than the same home's previous sale.
The closing ledger, most recent first
Bought · Investment $1,000,000 1395 SW 22nd Ter · Shenandoah Duplex, buyer side, closed $5K over ask · Jun 2026
Bought · Investment $1,400,000 8371 SW 122nd St · Pinecrest Income property, buyer side · Feb 2026
Leased · Tenant side $22,000/mo 300 Biscayne Blvd Way · Brickell Luxury waterfront lease · Oct 2025
Sold · Listing side $3,650,000 1823 SW 2nd Ct · Holleman Park 18 days on market · Sep 2025

All transactions from the Miami Association of REALTORS® MLS closed record (agent ID 3571606). Verify any of it. More closed off-MLS and in progress.

Before you offer

Know your numbers and your edge.

Mortgage Calculator

Estimate your monthly payment

Principal, interest, taxes, insurance and HOA, so we search in the right range.

Loaded with today's real 30Y average: 7.40% Open Calculator → International buyers

Buying from outside the U.S.?

Cross-border financing, taxes, and how to close remotely, plus a currency converter, a FIRPTA estimator and guides for Canada, Colombia, Argentina, Mexico and Brazil.

Buyer Resources → Off-Market Access

The best homes never get listed

I reach out directly to owners in the buildings and streets you want, and surface pre-market opportunities before they go public.

Off-Market Search →

Buyer FAQ

Questions buyers actually ask.

Not covered here? Ask me on WhatsApp or call 786-578-6900. Straight answers, same day.

How much do I need for a down payment?
It depends on the loan and the property. Conventional loans often start around 20% down, but there are programs that require less, and cash is common in Miami's luxury tier. The cleanest answer comes from a quick pre-approval; in the meantime you can model the monthly cost with the mortgage calculator.
Who pays my agent as the buyer?
Buyer-agent compensation is negotiable and is spelled out in a written agreement before we start touring. In many deals the seller's side still contributes, but it's no longer assumed, so I'll walk you through exactly how it works for your purchase, in writing, with no surprises.
How long does buying take?
From a serious search to keys is often a few weeks to a few months, depending on inventory, financing, and how decisive we are. Being pre-approved (or paying cash) speeds up every step.
Can I buy from another country or out of state?
Absolutely, it's a big part of my business. Virtual tours, remote closing, lender introductions and a team on the ground mean distance is no obstacle. See the international buyer resources.
Should I get pre-approved before looking?
Yes. A pre-approval tells us your real budget and makes your offer credible in a competitive market. It's quick, and I'll point you to a lender who fits your situation, including cross-border options.
What are closing costs?
Plan for roughly 2–5% of the purchase price for closing (title, taxes, inspections and lender fees) on top of your down payment. Run a quick range in the buyer toolkit, and I'll give you a clear estimate for your specific deal so nothing is a surprise.

Start your search

Tell me what you're looking for.

Share a few details and I'll put together a tailored shortlist, including off-market options, and reach out to talk through your search. No pressure, no spam.

Enrique Ponte Ojeda on a balcony overlooking the water in Miami
Let's find the home the algorithm can't.Grab a free, no-pressure buyer call. I'll line up the right options, on and off market, and give you a straight read on each.
Enrique Ponte Ojeda
Licensed Florida Real Estate Agent · Carmona Realty Group

What you'll get back

  • A curated shortlist matched to your criteria.
  • Off-market & pre-market opportunities.
  • Lender intros if you need them, including cross-border.
iMessage
Call / Text786-578-6900 Emaileponteojeda@gmail.com