Free Resource · Realtor007.ai
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The FHA + Grant Stacking Playbook

How South Florida Buyers Close on Homes With $0–$10K Out of Pocket Using Programs Most Agents Don't Know Exist

Why This Exists
Buyers are closing on $415,000 duplexes in Homestead with under $8,000 out of pocket — by layering FHA with county DPA programs Roland has mapped across all four South Florida counties.

What's Inside

  • ✓Every DPA program in Miami-Dade, Broward, Palm Beach, and Collier
  • ✓How to stack Hometown Heroes ($35K) + PHCD ($69K) on the same FHA deal
  • ✓Income limit tables by county — who qualifies for what in 2026
  • ✓2026 FHA loan limits: 1-unit through 4-unit across all four counties
  • ✓Step-by-step DPA application timeline with Roland's pre-approval checklist
  • ✓What disqualifies you from DPA — and how to fix it before applying
WHO THIS IS FOR

Built from 20 years of licensed GC work in South Florida. Not a generic template — construction quality assessments, zoning code specifics, deal math, and real negotiating data.

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The FHA + Grant Stacking Playbook

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305-731-0387 · WhatsApp
Results That Go in the File

Clients Who Worked With Roland.

$18,000
Negotiated Off Before Inspection
"Roland found two unpermitted additions the seller never disclosed. A regular agent would have missed all of it."
Marcus & Priya T.
FHA · Homestead, FL
$80,000
Down Payment Grant
"Roland walked us through the Broward HOME program. The $80,000 covered our full down payment."
Patrice & Devon H.
Conventional · Miramar, FL
$3,200
Off $210K Rehab Estimate
"His renovation number was within $3,200 of final actual cost on a $210,000 rehab. That precision changes underwriting."
Raymond K.
Value-Add · Little Havana
About Roland Ruiz
Roland Ruiz — South Florida real estate advisor and Licensed General Contractor

Roland Ruiz

Florida Realtor · Licensed General Contractor

Financing readiness guidance. Roland helps buyers separate lender approval from a payment that is healthy for real life, including insurance, taxes, HOA, flood insurance, and cash needed to close.

Keller Williams Premier PropertiesLicensed General ContractorMiami-Dade · Broward · Palm Beach · Collier
Contact RolandCall 305.731.0387Homebuyer Quiz
Roland@Realtor007.ai