Luxury & investment real estate · Naples, Florida
I'm Dèliga Boitel, a Realtor® with Mato Realty LLC, based in Naples. Luxury and investment real estate across all of Southwest Florida — for the family buying their first place here, the owner ready to sell, and the investor who wants the math to work before the photos look nice.
What I do
I show you anything on the market in Southwest Florida — including everything in Dream Homes, no matter whose listing it is. You get the real monthly number before we walk in, not after.
I price it against what actually closed, not against what your neighbor is asking. Photos, video and the listing copy are produced properly — and I tell you upfront what I'd offer a buyer's agent and what that does to your net.
Long-term rentals, seasonal, canal lots and value-add in Cape Coral and Lehigh. I run the numbers first: the rent the unit actually gets, insurance in that zone, and what the HOA allows before you count on a single night of income.
Real closings
More than a closing — the beginning of a new chapter. This is a real closing day, filmed at the office the afternoon the keys were handed over.
Recently closed
Dream Homes
Where I work
Pick a city to see what's in Dream Homes there, or tell me what you're looking for and I'll find it.
“A home is a family decision. Every step, explained in the language your family speaks.”
Dèliga Boitel
Meet DèligaOne message is enough to start. I answer in English or Spanish, usually the same day.
Dream Homes
Open any home to see an honest estimate of what it costs a month — taxes, HOA and insurance included. When one feels right, I'll get you inside this week.
On video · One Naples villa
Two short videos on the same villa. First the area around it, then the numbers said out loud — before anyone drives out to see it.
Both videos are in Spanish, with captions on screen.
How we work
Whether you're buying your first place in Lehigh, selling in Naples or running numbers on a rental, it goes the same way: the whole number first, then the house, then a weekly update until you have keys or a check.
01Price, area, and what you are not willing to give up. I send you what fits — from Dream Homes and from everything else on the market in Southwest Florida.
What you get
02Before we walk in you already have the taxes, the HOA, the flood zone and an insurance estimate. Nobody falls in love with a payment they cannot make.
What you get
03Offer, inspection, appraisal, closing. You hear from me every week, including the weeks when nothing moved.
What you get
01Not against what your neighbor is asking. I pull what closed on your street in the last six months and give you a real range.
What you get
02Professional photos and video, the listing copy written properly, and your home on the market and in Dream Homes.
What you get
03I tell you upfront what I'd offer a buyer's agent and what every offer really nets you. Then you hear from me every week until closing.
What you get
The whole number, before the showing
Every home gets the same breakdown. Here it is on a real listing, with a sample of 20% down at 6.5%. Change the numbers yourself on the property page.
Yes. Calls, showings, WhatsApp and every document explained — in English or Spanish, whichever you prefer.
All of Southwest Florida — Naples, Marco Island, Golden Gate Estates, Bonita Springs, Estero, Fort Myers, Cape Coral, Lehigh Acres, Port Charlotte, Punta Gorda and everywhere in between. I also have homes further out, in Brooksville and Hallandale Beach.
Yes. I show you anything on the market in Southwest Florida, no matter whose listing it is.
Yes. I can film a walkthrough before you fly in, and I introduce contractors and property managers for out-of-state owners.
Usually the same day, by phone, text or WhatsApp.
One message is enough. Tell me what you're looking for, or what you want to sell.
Meet Dèliga
Realtor® · Mato Realty LLC · Naples, Florida
I came to Naples and built this practice around one habit: put the whole number in front of people before they get attached to a house. Taxes, HOA, insurance, what the assessment actually is. It has cost me deals. It has never cost me a client.
I work with buyers, sellers and investors across all of Southwest Florida. Luxury when that is what you are after, and a first house in Lehigh with the same attention when that is what you are after. Same phone, same answer time.
How I do it
You see what a home really costs a month — taxes, HOA, insurance — before we walk in, not after you fall for it.
If nothing on the market fits, I say so. If a house isn't the one, I tell you that too, even when it costs me the sale.
From the first message to closing you hear from me every week, including the weeks when nothing moved.
“I would rather lose the sale than have you sit at closing surprised.”
Dèliga Boitel
Realtor® with Mato Realty LLC
Where I work
Luxury homes, first homes and rentals anywhere in Southwest Florida. If it's on the market here, I can show it to you.
The office
Mato Realty LLC
7785 Davis Blvd STE 206
Naples, FL 34104
Calls, showings, WhatsApp and every document explained in English or Spanish — whichever you're more comfortable with.
One message is enough to start. I usually answer the same day.
For sellers
Not an automated guess off a website. I pull what actually closed on your street in the last six months and send you a real range, plus the net sheet so you see what lands in your pocket.
Contact
Tell me what you're looking for and the price you're comfortable at. If something in Dream Homes fits, I'll book the showing this week. If nothing fits, I'll say so.
Dèliga Boitel, Realtor® · Mato Realty LLC · @flhomesbydeliga · deligarealtor@gmail.com
Location, numbers, and what the property can actually produce — in Spanish, the way I explain it on the phone.
Free guide · Spanish edition
Twelve pages, in Spanish, on what nobody explains clearly: how much cash you really need, insurance and flood zones, homestead, inspections, closing, and the eight most expensive mistakes.
What's inside
A look inside
Your name and phone, and it's yours — in Spanish, twelve pages.
Closing costs
Most calculators guess. This one only adds up what Florida sets by law or by promulgated rate — title insurance, documentary stamps, the intangible tax, the estoppel cap. Everything a company gets to price on its own is listed separately, so you can see what is fixed and what is still a question.
Leave any of these blank. The estimate above still works; it just leaves that line out instead of guessing.
Set by Florida law or promulgated rate
$0Moving out of Florida? I'll find you an agent there →
This is an estimate, not a quote and not a title commitment. Dèliga is a Realtor®, not a title company, a lender or a tax advisor. County customs are customs, not law — who pays what is written into the contract, and it is negotiable. Confirm every figure with your closing agent before you sign.
In plain words
Insurance that the title is clean and nobody shows up later with a claim on the house. Florida sets the price by law, so every title company charges the same for the policy itself: $5.75 per $1,000 up to $100,000, then $5.00 per $1,000 up to $1 million, with a $100 minimum. What each company can price freely is its own closing and search fees.
Your lender wants its own policy. When it is issued at the same time as the owner's policy, Florida's simultaneous-issue rate makes it $25. If no owner's policy is issued, the lender's policy costs the full rate instead — one more reason to get one.
Florida's transfer tax: $0.70 for every $100 of the price, rounded up to the next $100. On a $500,000 house that is $3,500. Under the standard FR/BAR contract the seller pays it.
If you are financing, the mortgage gets taxed too: $0.35 per $100 of the loan in documentary stamps, plus an intangible tax of $0.002 per dollar — that is 0.35% and 0.20% of the loan. Both are on the buyer. Paying cash means neither one.
If the property is in a condo or an HOA, the association has to certify what is owed on the account. Florida caps what it can charge: $299, plus up to $119 to rush it and up to $179 if the account is behind. It is normally a seller cost.
Florida taxes are paid in arrears, so at closing they get split by the day: January 1 through the day before closing belongs to the seller, and the buyer is credited for it. Put the annual tax and the closing date in the form above and the split lands in your total. Your closing agent runs the same math on the settlement statement.
The deed — and the mortgage, if you are financing — has to be recorded in the county's public records. Florida statute sets the price: $10 for the first page and $8.50 for every page after. A deed is about 2 pages, a mortgage about 20, so it lands near $19 cash and near $189 financed. It is the one closing charge nobody gets to mark up.
Send me the property and I'll run it with the actual taxes, the HOA and what the seller is asking — and tell you where there is room to negotiate.
Leave me your number or email and I'll come to you
Moving in or out
You should not have to start over with a stranger. If you already have an agent you trust somewhere else, keep them. They hand you to me, they stay in the loop, and you end up with two agents watching your deal instead of one.
35%referral fee for agents
Have an agent where you live now? Give them my number. They introduce us, I take it from there — showings, offers, inspections, closing — and they stay updated the whole way. You get someone on the ground in Naples, Fort Myers, Cape Coral and everything in between, in English or Spanish.
Tell me where you are going. I will find you an agent there, get on the phone with them myself before I hand you over, and stay in touch until you are settled. Selling here and buying there is one move, not two, and somebody should be watching both ends.
When one agent refers a client to another, they split part of the commission the brokerage already earns. It does not get added to your price, your closing costs or what you pay in commission. Nothing about your side of the deal changes — except that now two agents have their name on it.
If you are the agent
Licensed agents anywhere in the country: if your client is buying or selling in Southwest Florida, refer them to me instead of losing them. You keep the relationship, I do the work here, and your brokerage gets paid.
Thirty-five percent of the commission my side actually collects on the transaction. Paid broker to broker — Mato Realty, LLC pays your brokerage when the deal closes, and your brokerage pays you. Nothing is owed if the deal never closes.
Name, what they are looking for and their timeline. A text or an email is enough to start.
In writing, before I talk to your client. It names the client, the fee and how long it lasts, so neither of us is relying on memory later.
Showings, offers and the contract-to-close, in English or Spanish, across Southwest Florida. You get updates without having to chase me for them.
Mato Realty, LLC sends the referral fee to your brokerage out of the closing, and your brokerage pays you the way it always does.
Tell me the city and the timing and I'll take it from there — whether you're the one moving or the agent sending them.
Leave me your number or email and I'll come to you
Client love
Every closing is someone starting a new chapter. These are the words buyers, sellers and investors shared after we did it together.
The first reviews from buyers and sellers will be posted here soon.
Share your story
Tell the next family how it went. Your review goes up on this page as soon as you send it.
One message is enough to start. I answer in English or Spanish, usually the same day.
