Knowledge Center
The numbers behind the decision.
Plain-language guides for business owners, property owners, and investors. Formulas, worked examples, Florida rules, and East Pasco market data from government sources. Every guide is dated and sourced.
For Business Owners
Leasing, buying, financing, and the terms that decide what space really costs.
Buy or Lease Commercial Property? Separate the Two Decisions
How a business owner should decide whether to buy or lease commercial space: the operating decision, the investment decision, the numbers to gather,…
NNN, Modified Gross, and Full Service Leases: Who Pays What
How triple-net, modified gross, and full service commercial leases split taxes, insurance, maintenance, and utilities, and how to compare lease…
Commercial Lease Terms That Carry the Money and the Risk
The commercial lease terms that decide what a lease really costs and who carries the risk: LOI, escalations, TI allowance, free rent, renewal…
SBA 504 and 7(a) Loans for Owner-Occupied Commercial Property
How SBA 504 and 7(a) loans work for business owners buying a building: loan limits, typical down payment, owner-occupancy rules, terms, and what the…
Florida Ended Sales Tax on Commercial Rent: What Changed on October 1, 2025
Florida repealed the state sales tax and local surtax on most commercial rent effective October 1, 2025. The rate history, what remains taxable,…
For Property Owners and Sellers
Selling, holding, leasing, or repositioning, and what a Florida closing costs.
Sell, Hold, Lease, or Reposition? Deciding What a Commercial Property Should Do Next
A framework for commercial property owners deciding whether to sell, hold, re-lease, refinance, or reposition, with the signals and numbers that…
How to Prepare a Commercial Property for Sale
The documents, physical preparation, and pricing work that help a commercial property sell faster and hold its price through due…
Florida Commercial Closing Costs: Doc Stamps, Intangible Tax, Title, and Prorations
Florida documentary stamp tax on deeds and notes, the intangible tax on mortgages, title insurance, property tax prorations, and other closing costs…
For Investors
NOI, cap rates, loan sizing, returns, 1031 exchanges, and due diligence.
Commercial Real Estate Due Diligence Checklist
A due diligence checklist for buying commercial property in Florida: title and survey, zoning, environmental, physical condition, leases, financials,…
Cap Rate: What It Tells You and What It Doesn't
How the capitalization rate works, why it's circular, how a soft NOI distorts value, and how to test a quoted cap rate on a commercial property.…
Net Operating Income (NOI): What Counts, What Doesn't, and Why Trailing Numbers Win
What belongs in commercial NOI, what stays out, how vacancy, management, and reserves change the number, and why trailing 12-month actuals beat pro…
DSCR and Debt Yield: How Lenders Size a Commercial Loan
How debt service coverage ratio (DSCR), debt yield, and loan-to-value work together to cap a commercial loan, with a worked example at 7%…
Cash-on-Cash, IRR, and Equity Multiple: Measuring Return on Your Equity
How cash-on-cash return, IRR, and equity multiple differ, with a five-year commercial property example and an exit cap rate sensitivity…
1031 Exchange Rules and Timeline for Commercial Property
The IRS rules for a Section 1031 like-kind exchange of commercial real estate: what qualifies, the 45-day and 180-day deadlines, qualified…
East Pasco and Tampa Bay Market Data
Government-source population and business data, and the projects reshaping the SR 52 corridor.
East Pasco Growth by the Numbers: Census and BEBR Population Data
Population, income, and business data for Dade City, Zephyrhills, San Antonio, Wesley Chapel, and Pasco County from the U.S. Census Bureau and the…
The SR 52 Corridor: What's Built, Entitled, and Planned
A sourced tracker of the major projects along State Road 52 and I-75 in East Pasco: the new SR 52 alignment, Double Branch, Abbey Crossings, the…
Glossary
Definitions for NOI, cap rate, NNN, DSCR, estoppel, SNDA, and more.
How These Guides Are Built
- Market data comes from government primary sources (U.S. Census Bureau, University of Florida BEBR, FDOT, Florida Statutes, the Florida Department of Revenue, IRS, SBA) with the record and pull date listed.
- Project and news items cite the publication and date.
- Worked examples are labeled illustrative and use hypothetical numbers.
- Guides are general information, not legal, tax, or investment advice.