Denisse Szmigiel

Denisse Szmigiel Real Estate Investor | Realtor | Strategist
Helping buyers, sellers, and investors find, analyze, and improve real estate opportunities. Florida-based

Denisse Szmigiel isn’t your typical Realtor®. With an engineering background and years of real estate investing experience, she thrives on numbers, data, and strategy—skills that give her clients a clear advantage in today’s market. Denisse specializes in creative deal structures such as subject-to and seller financing, helping both buyers and sellers unlock opportunities that others often overloo

k. Fluent in Spanish and Portuguese, and having lived and traveled internationally, Denisse connects naturally with clients from diverse backgrounds. Her strong analytical skills, combined with first-hand investment expertise, allow her to spot cash-flowing properties, structure win-win deals, and guide homeowners in selling with strategies beyond the traditional listing. As a go-getter who blends technology, research, and investor-level insight, Denisse is dedicated to helping families and investors achieve their goals. Her mission is simple: to be “Your Friend and Resource in Real Estate”—offering knowledge, creativity, and value in every transaction.

Where is wealth concentrating in Florida? Tampa Bay is a big part of the answer.A new Business Journals analysis found t...
09/07/2026

Where is wealth concentrating in Florida? Tampa Bay is a big part of the answer.

A new Business Journals analysis found that Tampa Bay and South Florida contain 90 of Florida’s 100 wealthiest ZIP codes.

Tampa Bay’s top three:

📍 33629
📍 34236
📍 33767

For real estate, I watch where income, home equity, property values and population trends are concentrating. Those numbers can tell us a lot more than simply looking at home prices.

Would you buy or invest in one of these areas?

Denisse Szmigiel | Realtor & Investor
denisseszmigiel.com

Assumable loan vs. Subject-To. They are NOT the same.With an assumption, the lender approves the buyer and the loan obli...
09/02/2026

Assumable loan vs. Subject-To. They are NOT the same.

With an assumption, the lender approves the buyer and the loan obligation transfers.

With Subject-To, the existing mortgage generally stays in the seller’s name while the buyer takes title and makes the payments. That creates very different risks for the seller, including potential due-on-sale issues.

Know what you’re agreeing to before getting creative with financing.

Would you rent to a 580 credit score?🏠 Would you automatically reject a tenant with a 580 credit score?I wouldn’t look a...
09/02/2026

Would you rent to a 580 credit score?

🏠 Would you automatically reject a tenant with a 580 credit score?

I wouldn’t look at the number alone.

I want to know:
• Do they pay their housing on time?
• What is their income and debt load?
• Was the bad credit temporary or a pattern?
• What does the full screening show?

A score tells you something. The story behind it tells you more.

👑

🏡 What if you could buy a home today and take over the seller’s much lower mortgage rate?Some FHA, VA and USDA loans may...
08/27/2026

🏡 What if you could buy a home today and take over the seller’s much lower mortgage rate?

Some FHA, VA and USDA loans may be assumable, subject to lender approval. That could mean a lower payment and substantial interest savings.

The catch? You still have to solve the seller’s equity gap. That’s where knowing your financing options matters.

Selling an investment property? Don’t automatically cash out.A 1031 exchange may let you defer capital gains taxes and m...
08/25/2026

Selling an investment property? Don’t automatically cash out.

A 1031 exchange may let you defer capital gains taxes and move that equity into your next investment. Know your options before you sell.

🏆 Hillsborough County schools are getting statewide recognition.Nine local high schools were named among Florida’s best ...
08/20/2026

🏆 Hillsborough County schools are getting statewide recognition.

Nine local high schools were named among Florida’s best in the latest U.S. News rankings.

Strong schools are one of the reasons families continue to consider communities throughout the Tampa Bay area. And for homeowners, buyers, and investors, schools can be an important part of a property’s long-term appeal.

Would school rankings influence where you buy your next home?

🏠 Need cash from your rental but don’t want to sell and trigger capital gains taxes?You may be able to tap your equity a...
08/14/2026

🏠 Need cash from your rental but don’t want to sell and trigger capital gains taxes?

You may be able to tap your equity and keep the property, rental income, and appreciation.

Before you sell, know your options.

TinkerDeal.com

🏡 A BIG tax change could be coming for homeowners.There is discussion in Washington about increasing the capital gains e...
08/13/2026

🏡 A BIG tax change could be coming for homeowners.

There is discussion in Washington about increasing the capital gains exclusion when you sell your primary home.

Currently:
💰 $250K exclusion for single homeowners
💰 $500K for married couples

A bipartisan proposal would DOUBLE that to $500K and $1 MILLION.

For homeowners who bought years ago and have significant appreciation, this could mean keeping much more of their equity when they sell.

It could also encourage more owners to sell, downsize or relocate, potentially bringing much-needed inventory back to the market.

⚠️ Important: This is proposed, not law. I’ll be following it closely.

Would a bigger capital gains exemption make you more likely to sell?

HomeSelling

Generational wealth does not always mean leaving your children money or property.What happens if they do not know how to...
08/03/2026

Generational wealth does not always mean leaving your children money or property.

What happens if they do not know how to manage it?

Real wealth also means teaching them how to:

• Build something
• Care for assets
• Make good decisions
• Work with people
• Save and invest
• Appreciate the effort behind what they have

Money can be spent quickly. Skills, judgment, and discipline can last a lifetime.

The goal is not only to leave them something.

The goal is to teach them what to do with it.

Denisse Szmigiel
Realtor | Investor | Strategist
denisseszmigiel.com

A society is judged by how it treats its most vulnerable people.A child with special needs once asked his father, “Do yo...
08/01/2026

A society is judged by how it treats its most vulnerable people.

A child with special needs once asked his father, “Do you think they will let me play?”

The children welcomed him onto the baseball field. They helped him run the bases, cheered as he crossed home plate, and made him feel like a hero.

That child later passed away, but he never forgot the day he was included.

Neither did his father.

Kindness does not have to be grand.

Sometimes it is a smile.

A wave.

An invitation.

A moment that says, “You belong here.”

What feels small to you may mean everything to someone else.

Choose kindness. Make room. Let them play.

Address

Lithia, FL
33547

Website

Alerts

Be the first to know and let us send you an email when Denisse Szmigiel posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Denisse Szmigiel:

Shortcuts

Share

Category