Name: All In One International Realty
Address: 6415 NW 102nd Path, Unit 206, Doral, FL, 33178, US
Telephone: +1 305-302-7094

Question 1

Who is All In One International Realty?

Accepted Answer

We are a boutique bilingual real estate brokerage based in Doral, serving Miami and South Florida. When you work with us, you work directly with our broker, Stephanie Penaranda, not a rotating team of agents. That means personal attention and a single point of contact from your first question through closing. We focus on international and local buyers and sellers who want careful, hands-on guidance.

Question 2

What areas and neighborhoods do you serve?

Accepted Answer

We serve Miami and the surrounding South Florida communities, including Brickell, Coral Gables, South Miami, Coconut Grove, Key Biscayne, Doral, Pinecrest, and Miami Beach. Each area has its own character, from walkable urban districts to quiet residential streets and waterfront settings. Tell us what features matter to you, such as commute time, home size, or proximity to the water, and we will match you with neighborhoods that fit. Our office is in Doral, so we know this market firsthand.

Question 3

Do you only handle luxury homes, or also regular budgets?

Accepted Answer

We are known for luxury service, but that is about how we treat you, not a price minimum. We help clients across a wide range of budgets, from first homes and condos to high-end estates. The care, communication, and attention to detail stay the same no matter the price point. Share your budget with us and we will focus only on homes that make sense for you.

Question 4

Do you work with first-time buyers?

Accepted Answer

Yes, and we love it. First-time buyers often have the most questions, and we take the time to explain every step in plain language, in English or Spanish. We will walk you through budgeting, getting pre-approved, touring homes, making an offer, and closing, so nothing feels like a surprise. There is never any pressure to move faster than you are comfortable with.

Question 5

Do you speak Spanish, and does bilingual service cost extra?

Accepted Answer

Yes, we offer full service in both English and Spanish at no extra cost. You can call, message, meet, and sign documents in the language you are most comfortable with. For international clients, having a broker who explains the Florida process clearly in your own language makes a real difference. Just let us know your preference and we will follow your lead.

Question 6

What services do you offer?

Accepted Answer

We help you buy, sell, and lease residential property across Miami and South Florida. Alongside the transaction itself, we offer free tools and guides to help you understand the market, pricing, and the steps involved. Whether you are searching for a home, preparing to list, or looking for a rental, we handle the details and keep you informed. Everything is coordinated directly through our broker.

Question 7

How do I get started, and is the first consultation free?

Accepted Answer

Yes, your first consultation is completely free with no obligation, just a friendly talk about your goals. The easiest way to begin is to call or message us on WhatsApp at +1 305-302-7094, email info@allinoneinternationalrealty.com, or use the contact form on our website. Our book a call button opens a WhatsApp chat directly. Tell us a little about what you are looking for and we will set up your free consultation and build a simple plan around your goals and timeline.

Question 8

What are your hours?

Accepted Answer

We are open every day from 8am to 8pm, including weekends. Because you work directly with our broker, we try to be flexible and responsive within those hours. If you reach out after hours, we will get back to you as soon as we can the next morning. For international clients in other time zones, we do our best to find a time that works for you.

Question 9

Are you a real, licensed brokerage?

Accepted Answer

Yes. All In One International Realty is a licensed Florida real estate brokerage, and Stephanie Penaranda is a licensed Florida real estate broker, license number 3367711. We hold a 5.0 rating from 19 reviews on Google. You are always welcome to verify our license and read our reviews before we begin. Working with a licensed broker means you are protected by Florida real estate law and professional standards.

Question 10

Why should I work with a broker instead of on my own?

Accepted Answer

A broker guides you through pricing, contracts, negotiation, and deadlines that are easy to miss on your own. Because Stephanie is the broker and handles your file personally, you get experienced judgment on every decision rather than a handoff to an assistant. We help you avoid costly mistakes, understand what you are signing, and keep the transaction on track. Our goal is to protect your interests and make the process feel calm and clear.

Question 11

Do I have to be in Miami to work with you?

Accepted Answer

No. We regularly help remote and international clients who are buying or selling from another city or another country. We can share listings, host video tours, and handle much of the process online, including many documents that can be signed electronically. When you are ready to visit, we will be here to show you homes in person. Distance is never a reason to put your plans on hold.

Question 12

As a buyer, do I have to sign anything before touring homes?

Accepted Answer

Yes. Under the rules that took effect in 2024, buyers now sign a written buyer-broker agreement before touring homes with an agent who uses the MLS. The agreement spells out the services we provide and how any compensation would work, so everything is clear up front. We will go through it with you in plain language, in English or Spanish, and answer every question before you sign. This is general information about the process, and we are happy to walk you through your specific situation.

Question 13

Do I have to pay to work with a buyers agent?

Accepted Answer

Commissions are always negotiable, and there is no standard rate set by law or by us. In many sales the seller still agrees to cover the buyer-agent fee through a negotiated concession, though sellers are not obligated to do so. We will explain exactly how compensation would work in your case before you commit to anything, so there are no surprises. Our goal is to be completely transparent about costs from the very first conversation.

Question 14

How do real estate agents actually get paid?

Accepted Answer

Agents are paid a commission only when a sale closes, not an hourly fee or an upfront charge. That commission is agreed in writing, either in the listing agreement on the seller side or the buyer-broker agreement on the buyer side. Depending on how the deal is negotiated, the fee may be paid by the seller, the buyer, or shared, which is something we sort out clearly before you move forward. Because there is no payment unless your transaction succeeds, our interests are aligned with yours.

Question 15

Is the buyer-agent commission still shown on the MLS?

Accepted Answer

No. As of the 2024 changes, offers of buyer-agent compensation are no longer advertised on the MLS. Instead, that compensation is discussed and negotiated separately, and it is written into the buyer-broker agreement or the purchase contract. This makes the whole arrangement more transparent, since it is spelled out directly rather than assumed. We will always show you in writing how it applies to your deal.

Question 16

For sellers, how is the listing commission set?

Accepted Answer

The listing commission is negotiable and is agreed with you in writing in the listing agreement before your home goes on the market. There is no fixed or required percentage, and we will discuss what makes sense for your property and goals. We will also explain your options for how a buyer agent might be compensated, which is now negotiated separately. You will know all the terms clearly before you sign anything.

Question 17

What is the difference between a single agent and a transaction broker in Florida?

Accepted Answer

In Florida, agents commonly work as transaction brokers, which means they provide honest and fair dealing to both the buyer and the seller without being a fiduciary advocate for just one side. A single-agent relationship means the agent represents only you, with a higher duty of loyalty, and it can be chosen when it fits your situation. We will explain which relationship applies and what it means for you before we start working together. This is general information, and we are glad to walk through the specifics for your transaction.

Question 18

Can one brokerage represent both the buyer and the seller?

Accepted Answer

It can happen, and Florida law most often allows it through the transaction broker role, where the brokerage treats both sides honestly and fairly rather than advocating for one against the other. If a situation like this ever comes up in your deal, we will disclose it clearly and explain how it works before you decide how to proceed. You are always free to ask questions or choose the arrangement you are most comfortable with. This is general information about how Florida representation works.

Question 19

Do I have to sign a long exclusive contract to work with you?

Accepted Answer

We will always explain the terms, including the length and scope, before you sign anything. Agreements can often be tailored to fit what you need, whether that is a specific property, a set time period, or a particular type of service. We would rather earn your trust than lock you into something you are unsure about. Take the time you need to read it, ask questions, and feel comfortable first.

Question 20

Can I cancel if things are not working out?

Accepted Answer

Every agreement has its own cancellation terms, and we will go over them with you before you sign so you know your options. Our approach is built on service and communication, so if something is not working, we want you to tell us so we can make it right. We will never make you feel trapped in a relationship you are unhappy with. If you have concerns, the best first step is simply to call or message us.

Question 21

Will you explain all the costs and paperwork before I commit?

Accepted Answer

Yes, always. Before you sign anything, we walk you through every agreement, fee, and step in plain language, in English or Spanish. Real estate involves legal and financial details, so this is general information rather than legal or tax advice, and when you need it we coordinate the right licensed professional, such as an attorney or a tax advisor. AIOIR is a real estate brokerage, not a lender or a law firm, and we are careful to keep those roles clear.

Question 22

What is the best way to reach you?

Accepted Answer

You can call or message us on WhatsApp at +1 305-302-7094, email info@allinoneinternationalrealty.com, or fill out the contact form on our website. Many clients prefer WhatsApp because it is quick and easy for both local and international messages. Our book a call button opens a WhatsApp chat directly, so you can reach us in a couple of taps. Use whichever method is most comfortable for you.

Question 23

Where is your office located?

Accepted Answer

Our office is in Doral, at 6415 NW 102nd Path, Unit 206, Doral, FL 33178. It is a convenient spot for meeting clients across Miami and South Florida. You are welcome to come by to talk through your plans in person, though we recommend reaching out first so we can set aside time for you. If it is easier, we can also meet closer to where you are or connect by video.

Question 24

What are your hours?

Accepted Answer

We are open every day from 8am to 8pm, including weekends. Because you work directly with our broker, we try to stay flexible and available within those hours. If you reach out after hours, we will respond as soon as we can. Just let us know a time that suits you and we will do our best to accommodate it.

Question 25

How quickly will you reply?

Accepted Answer

We aim to respond as quickly as possible during our hours of 8am to 8pm, and WhatsApp is usually the fastest way to hear back. If you message us after hours, we will get back to you first thing the next day. Because you deal directly with the broker rather than a call center, your questions go straight to the person handling your file. We know timing matters in real estate, so we try never to leave you waiting.

Question 26

Can we meet in person, or is everything remote?

Accepted Answer

We do both, whatever works best for you. You can meet us in person at our Doral office or out at properties, and we also work comfortably by phone, WhatsApp, email, and video call. Local clients often mix in-person tours with quick messages, while international clients may handle most of the process remotely. We adapt to how you prefer to communicate.

Question 27

What languages do you work in?

Accepted Answer

We work fully in both English and Spanish, at no extra cost. You can call, message, meet, and review documents in whichever language you prefer. For our international and bilingual clients, this makes the whole process clearer and more comfortable. Just tell us your preference and we will follow it throughout.

Question 28

Is booking a call free?

Accepted Answer

Yes, booking a call and your initial consultation are completely free, with no obligation. It is simply a friendly conversation about your goals and how we can help. You can book by tapping the book a call button, which opens WhatsApp, or by calling +1 305-302-7094. There is no cost and no pressure to work with us afterward.

Question 29

What happens after I reach out?

Accepted Answer

First, we listen. We start with a free, no-obligation conversation to understand what you are looking for, your timeline, and any questions you have. From there we lay out a simple plan, whether that is touring homes, preparing to list, or exploring your options, all at a pace that feels right to you. You will always know the next step, and you can reach us directly along the way.

Question 30

Do you help clients in other time zones?

Accepted Answer

Yes. We regularly work with international and out-of-state clients, and we do our best to find call times that work across time zones. WhatsApp and email make it easy to stay in touch even when our hours do not overlap perfectly. When you reach out, let us know your location and preferred times, and we will plan around them. Distance and time differences are never a barrier to getting started.

Question 31

How do I book a consultation?

Accepted Answer

The quickest way is to tap the book a call button on our website, which opens a WhatsApp chat, or to message or call us at +1 305-302-7094. You can also email info@allinoneinternationalrealty.com or use our contact form, and we will reach out to schedule. Let us know a little about what you need and your preferred times. Your consultation is free, and we look forward to helping you.

Question 32

How does the buying process work with AIOIR?

Accepted Answer

It starts with a first conversation to understand what you want and your budget, and from there we build a plan tailored to you. We tour homes in person or remotely, negotiate with real market data behind us, and then move through inspection, financing, title, and closing until the keys are yours. You will always know what comes next.

Question 33

How long does it take to buy a home?

Accepted Answer

From an accepted offer to closing is often 30 to 60 days, depending on your financing and the property. Cash purchases can move faster, while financed ones take a bit longer because of the lender's process. We will give you a realistic timeline for your specific situation.

Question 34

What is earnest money, and who holds it?

Accepted Answer

Earnest money is a good-faith deposit that shows the seller you are serious about your offer. It is held in escrow by the title company, not by us or the seller, and it is later applied toward your purchase at closing. If a contingency lets you cancel, this deposit is typically returned to you.

Question 35

Should I get pre-approved before touring homes?

Accepted Answer

Yes, if you plan to finance, getting pre-approved first is the smart move. It tells you what you can comfortably afford and makes your offer stronger when you find the right home. We can connect you with a trusted licensed lender to get started, and cash buyers can skip this step. This is general information and not financial advice; AIOIR is not a lender.

Question 36

What is the inspection period, and can I back out?

Accepted Answer

Florida commonly uses an 'AS IS' contract with an inspection period, a window of time when you can have the home professionally inspected. During that period you can cancel the contract and get your deposit back if you are not comfortable with what you learn. This is general information, and the exact terms depend on your specific contract, which we review with you carefully.

Question 37

What contingencies protect me as a buyer?

Accepted Answer

Contingencies are conditions in your contract that let you cancel and recover your deposit if something does not work out. The common ones are the inspection, financing, and appraisal contingencies, which protect you if the home has problems, your loan is not approved, or it does not appraise at the expected value. We help you understand which protections make sense for your offer.

Question 38

Do I need a lawyer to buy a home?

Accepted Answer

In Florida, closings are typically handled by a title company rather than an attorney, so a lawyer is optional. Some buyers still prefer having one for extra peace of mind, especially on complex purchases. If you would like an attorney involved, we are happy to coordinate one for you. This is general information and not legal advice.

Question 39

What are off-market and pre-construction listings?

Accepted Answer

Off-market listings are homes for sale that are not publicly advertised, often reached through relationships and networks like ours. Pre-construction listings are new homes or condos you can buy before or during construction, sometimes at attractive early pricing. Both can open doors you would not find on the usual search sites, and we help you access and evaluate them.

Question 40

Can I buy a home without seeing it in person?

Accepted Answer

Yes, many of our clients buy remotely, especially international and out-of-state buyers. We offer live video tours, detailed photos and videos, and honest guidance so you feel confident from anywhere in the world. You get our eyes and experience on the ground as if you were here yourself. You can find more in our international section.

Question 41

How do you decide what price to offer?

Accepted Answer

We base your offer on real market data, including recent comparable sales, current conditions, and how long the home has been listed. Then we factor in your goals, whether that is winning a competitive home or protecting your budget. You get a data-backed recommendation, and the final decision is always yours.

Question 42

What is an appraisal?

Accepted Answer

An appraisal is an independent professional estimate of a home's value, usually required by a lender when you finance. It protects both you and the lender by confirming the home is worth what you agreed to pay. If the appraisal comes in low, an appraisal contingency can give you room to renegotiate or walk away. This is general information; your lender guides the specifics.

Question 43

What happens at closing?

Accepted Answer

Closing is the final step where ownership officially transfers to you. You review and sign the paperwork, the funds are handled through the title company, and the deed is recorded in your name. Once everything is complete, you get the keys to your new home. We stand beside you through every signature.

Question 44

Can first-time buyers work with you?

Accepted Answer

Absolutely, we love guiding first-time buyers and we never rush you. We explain every step in plain language, in English or Spanish, and answer as many questions as you need. You will feel supported and informed from your very first showing to closing day.

Question 45

Does AIOIR give loans or mortgages?

Accepted Answer

No, we are a brokerage, not a lender, so we do not issue loans ourselves. With your consent, we connect you to a trusted licensed lender through our financing pre-qualification form, which never asks for your Social Security number or bank details. You stay in control, and the lender handles the actual financing. This is general information and not financial advice.

Question 46

What is the difference between pre-qualification and pre-approval?

Accepted Answer

Pre-qualification is a quick, early estimate of what you might be able to borrow, based on information you share. Pre-approval is a more thorough step where a lender verifies your details and gives you a stronger, more reliable commitment. Sellers tend to take pre-approved buyers more seriously. This is general information and not financial advice; a licensed lender confirms the specifics.

Question 47

How much do I need for a down payment?

Accepted Answer

It varies by loan program and by your situation, so there is no single number that fits everyone. Rather than guess, we help you get a real figure from a licensed lender based on your goals and profile. That way you plan with accurate numbers instead of assumptions. This is general information and not financial advice; AIOIR is not a lender.

Question 48

Can I pay all cash?

Accepted Answer

Yes, all-cash purchases are common in Miami, especially among international buyers. Paying cash can make your offer more attractive to sellers and often simplifies and speeds up the closing. It also avoids mortgage-related costs. We will help you weigh whether cash or financing fits your goals best.

Question 49

Can a non-US citizen or non-resident get a mortgage?

Accepted Answer

Yes, there are foreign-national loan programs designed exactly for this. They usually require a larger down payment, often around 30 to 40 percent, and they qualify you on your foreign income and bank statements rather than a US credit score. We can connect you with a licensed lender who specializes in these programs. This is general information and not financial advice.

Question 50

Do I need US credit history to get a loan?

Accepted Answer

Not always, because foreign-national loan programs are built for buyers without US credit. Instead of a US credit score, lenders often look at your foreign income, bank statements, and reserves. Requirements vary by lender, so a licensed lender will confirm what applies to you. This is general information and not financial advice; AIOIR is not a lender.

Question 51

What is PMI, or mortgage insurance?

Accepted Answer

PMI stands for private mortgage insurance, and it often applies when you make a smaller down payment. It protects the lender, not you, and it is usually added to your monthly payment. As you build equity in the home, it can often be removed. This is general information and not financial advice; your licensed lender explains the exact terms.

Question 52

What documents will a lender ask for?

Accepted Answer

It depends on the program, but lenders commonly ask for proof of income, bank statements, and identification, and foreign-national buyers may provide documents from their home country. You share these directly with the licensed lender, never with us, since our pre-qualification form does not collect sensitive financial details. The lender will give you a clear checklist. This is general information and not financial advice.

Question 53

Can I get pre-approved from abroad?

Accepted Answer

Yes, you can start the process from anywhere in the world. With your consent, we introduce you to a licensed lender who works with international buyers, and much of it can be handled by email and video. It is a smooth way to be ready before you even travel. This is general information and not financial advice; AIOIR is not a lender.

Question 54

What are closing costs, and roughly how much are they?

Accepted Answer

Closing costs are a set of one-time costs you pay when the sale is finalized, separate from the price of the home. Cash purchases tend to be lower, while financed purchases run higher because of mortgage-related taxes and lender fees. We get exact figures for you from the title company, so please treat anything general as an estimate, not a quote. This is general information; confirm the numbers with the title company and county.

Question 55

Who pays for what at closing?

Accepted Answer

Many closing costs are negotiable between the buyer and seller, and local customs also play a role. Some items are commonly handled by the seller and others by the buyer, but the final split is part of what we negotiate for you. We make sure you understand every line before you sign. This is general information; the title company confirms the exact figures.

Question 56

What taxes and fees appear at closing?

Accepted Answer

Common items include documentary stamp taxes on the deed and, if you finance, additional stamp taxes on the mortgage, plus owner's title insurance, recording fees, a survey, and escrow charges. Cash purchases avoid the mortgage-related taxes, which is one reason they cost less to close. The exact list depends on your purchase. This is general information; confirm the numbers with the title company and county.

Question 57

Do cash buyers avoid some taxes?

Accepted Answer

Yes, paying cash avoids the mortgage-related taxes and lender fees that come with a loan, so cash closings are generally less expensive. You still pay other closing items, such as title insurance and recording fees. It is one of the reasons cash offers can be appealing in Miami. This is general information; the title company confirms your exact costs.

Question 58

What is title insurance, and do I need it?

Accepted Answer

Title insurance protects your ownership against past problems with the property's title, such as unknown liens or claims from prior owners. An owner's policy is a one-time cost at closing that gives you lasting peace of mind. It is strongly recommended and often expected in a purchase. This is general information; the title company explains your specific coverage.

Question 59

What ongoing costs should I budget after closing?

Accepted Answer

After closing, plan for property taxes, homeowners insurance, and any HOA or condo fees that apply to your home. These vary by property, so we help you estimate them before you commit. Building them into your budget keeps ownership comfortable and predictable. This is general information; confirm exact amounts with the county and your providers.

Question 60

Is there a tool to estimate these costs?

Accepted Answer

Yes, we offer free closing-cost, property-tax, and carrying-cost calculators to help you plan with confidence. They give you a helpful picture of what to expect, but keep in mind they are estimates, not quotes. For exact figures, we always confirm with the title company and county. This is general information.

Question 61

How do property taxes and the homestead exemption work?

Accepted Answer

Property taxes are an ongoing cost set by the county, and Florida offers a homestead exemption that can reduce taxes on your primary residence. There is more detail on this in our Florida section, since the rules have specific requirements. We will point you to the right resources for your situation. This is general information; confirm exact numbers with the county.

Question 62

How do you decide what to list my home for?

Accepted Answer

We price from current comparable sales and the real demand in your specific area, never a guess. Homes priced right sell fastest and for the most money, so we back the number with data and walk you through it. If the market shifts while you are listed, we tell you and adjust with a clear plan.

Question 63

How will you market my home?

Accepted Answer

We use cinematic marketing: professional photography, video, and smart placement that reaches both local and international buyers. Your home is presented the way luxury should be, across the channels where serious buyers are actually looking. Because we are bilingual and connected abroad, your listing gets in front of Miami buyers and buyers from other countries at the same time.

Question 64

Do you help with staging?

Accepted Answer

Yes. We give you clear staging guidance so your home shows at its best, from decluttering and small fixes to how each room is set up for photos and showings. Small, well chosen changes often make a real difference in how quickly a home sells and for how much. We will tell you where your effort is worth it and where it is not.

Frequently asked questions

Getting started

Working with our brokerage

Contact and next steps

Buying a home

Financing and mortgages

Costs, taxes and closing

Selling your home

Renting: tenants and owners

International buyers

Florida and Miami specifics

Fair housing and your rights

Free tools and guides

Privacy, security and legal

Your account and client portal

Still have a question?

Frequently asked questions

Getting started

Who is All In One International Realty?

What areas and neighborhoods do you serve?

Do you only handle luxury homes, or also regular budgets?

Do you work with first-time buyers?

Do you speak Spanish, and does bilingual service cost extra?

What services do you offer?

How do I get started, and is the first consultation free?

What are your hours?

Are you a real, licensed brokerage?

Why should I work with a broker instead of on my own?

Do I have to be in Miami to work with you?

Working with our brokerage

As a buyer, do I have to sign anything before touring homes?

Do I have to pay to work with a buyers agent?

How do real estate agents actually get paid?

Is the buyer-agent commission still shown on the MLS?

For sellers, how is the listing commission set?

What is the difference between a single agent and a transaction broker in Florida?

Can one brokerage represent both the buyer and the seller?

Do I have to sign a long exclusive contract to work with you?

Can I cancel if things are not working out?

Will you explain all the costs and paperwork before I commit?

Contact and next steps

What is the best way to reach you?

Where is your office located?

What are your hours?

How quickly will you reply?

Can we meet in person, or is everything remote?

What languages do you work in?

Is booking a call free?

What happens after I reach out?

Do you help clients in other time zones?

How do I book a consultation?

Buying a home

How does the buying process work with AIOIR?

How long does it take to buy a home?

What is earnest money, and who holds it?

Should I get pre-approved before touring homes?

What is the inspection period, and can I back out?

What contingencies protect me as a buyer?

Do I need a lawyer to buy a home?

What are off-market and pre-construction listings?

Can I buy a home without seeing it in person?

How do you decide what price to offer?

What is an appraisal?

What happens at closing?

Can first-time buyers work with you?

Financing and mortgages

Does AIOIR give loans or mortgages?

What is the difference between pre-qualification and pre-approval?

How much do I need for a down payment?

Can I pay all cash?

Can a non-US citizen or non-resident get a mortgage?

Do I need US credit history to get a loan?

What is PMI, or mortgage insurance?

What documents will a lender ask for?

Can I get pre-approved from abroad?

Costs, taxes and closing

What are closing costs, and roughly how much are they?

Who pays for what at closing?

What taxes and fees appear at closing?

Do cash buyers avoid some taxes?

What is title insurance, and do I need it?

What ongoing costs should I budget after closing?

Is there a tool to estimate these costs?

How do property taxes and the homestead exemption work?

Selling your home

How do you decide what to list my home for?

How will you market my home?

Do you help with staging?

How long will it take to sell?

Can I sell and buy at the same time?

What is my home worth, and is the online estimate accurate?

Do I have to disclose problems with my home?

Will I owe taxes when I sell?

What will I actually walk away with?

What if I am a foreign seller?

Renting: tenants and owners