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Insights

Ideas worth building on.

Practical real estate thinking from Stephen Tilton — strategy, market outlooks, and investor guidance. Several pieces below ran first in the Central Florida Realty Investors (CFRI) newsletter.

Downtown Orlando office and residential towers reflected in Lake Eola at sunrise
01 / Commercial Market Tilton Sells Original

The Refinance Wall Is Here — and the Hardest Year May Still Be Ahead

Hundreds of billions in commercial and multifamily loans are coming due into soft rents, higher insurance, and a Fed that just raised rates. Where the pain is, and where the opportunity is.

Tilton Sells · September 2026 Read article
Aerial view of tile roofed homes, a golf course and lakes in inland Central Florida near Four Corners
02 / Cost of Ownership Tilton Sells Original

What Home Insurance Actually Costs in Central Florida in 2026

Rates are falling in Florida for the first time in years — and inland Central Florida is the cheapest corner of the state to insure. County-by-county numbers straight from the state regulator, plus what actually moves your premium.

Tilton Sells · August 2026 Read article
Illustration: a gold line tracing inflation-adjusted U.S. home prices from 1890 to 2026 above a row of rooftops
03 / Market Context Tilton Sells Original

What 136 Years of Home Prices Actually Show

Strip out inflation and the whole picture changes. An interactive look at U.S. home prices from 1890 to today — the flat century, the 2006 bubble that fully erased itself, and where we sit now.

Tilton Sells · July 2026 Read article
Single storey Florida home under spreading live oaks on a quiet residential street
04 / For New Investors As Published in CFRI

Finding Your Fit: Choosing the Right Real Estate Investment Strategy as a New Investor

Fix-and-flip, long-term rentals, short-term hospitality, or syndications? A field guide to matching a strategy to your time, capital, and what actually energizes you.

CFRI Newsletter · July 2026 Read article
Two storey gray home framed by palm trees and a live oak on a wide lawn in Windermere
05 / Market Outlook As Published in CFRI

2026 Real Estate Outlook: Fed Policy, Inflation Shifts, and Timing Your Investments

The Fed’s December rate cut, a divided board, tariffs, and inflation — and what they mean for timing acquisitions and sales in 2026.

CFRI Newsletter · January 2026 Read article