Own Luxury Homes®
Ryan Brown — Disney World Real Estate Specialist
Ryan Brown is the Principal Broker & CEO of Own Luxury Homes® LLC (FL BK3626873 | NAR 624500541 | USPTO 7968024). He verifies Disney World area specialists through the 12-Point Integrity Audit and 5% Performance Audit™ before making one verified introduction. Contact: 407-900-7030 | ryan@ownluxuryhomes.com.
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Ryan Brown
Principal Broker & CEO — Own Luxury Homes®
Verified Credentials
Florida Real Estate Broker License BK3626873
National Association of Realtors NAR 624500541
USPTO Registered Trademark 7968024
Own Luxury Homes® LLC — Disney World Real Estate Specialist Referral Platform
The 12-Point Integrity Audit + 5% Performance Audit™
Own Luxury Homes® was built around a single problem: most buyers near Disney World cannot tell the difference between a specialist and a generalist until after closing — when the difference becomes obvious and expensive. A generalist who does not know ChampionsGate’s section-level STR rules, or who accepts a management company’s income projection rather than requiring platform-verified statements, or who misses the IB program application timing window for a Dr Phillips buyer, costs clients $20,000–$150,000 in the first year alone.
The 12-Point Integrity Audit verifies the specialist’s licence standing, disciplinary history, professional designations, and transaction record. The 5% Performance Audit™ goes further: it verifies current, community-specific knowledge — verified income data for the target community, understanding of section-level STR rules, school assignment accuracy at the address level, management fee structure by specific section, and insurance quote confirmation before any offer. Only specialists who pass both audits receive a verified introduction from Own Luxury Homes®.
What the 5% Performance Audit™ Confirms Before Every Introduction:
Platform-verified income from Airbnb/VRBO payout statements on comparable current properties
STR permissibility confirmed at the HOA section level — not just community level
School assignment verified at the specific property address
Management fee confirmed at the section-specific rate (not assumed 25%)
STR insurance quote from a Florida specialist carrier before any offer
DBPR licensing timeline and pre-income carrying costs communicated before closing
1031 exchange timing and QI engagement briefed for investor clients
One Verified Introduction
Own Luxury Homes® makes one introduction. Not three. Not a list of agents to interview. One specialist who has passed both audits for the specific community the buyer is targeting, with current transaction history in that community, and verified knowledge of the variables that determine whether the purchase succeeds or fails.
The introduction model exists because the alternative — sending buyers to a directory of agents with no verification — produces the outcomes that motivated building Own Luxury Homes® in the first place. A buyer who receives three names and interviews all three is doing their own due diligence on specialists without the tools to do it well. A buyer who receives one verified introduction is relying on due diligence that has already been completed.
Ryan Brown on Disney World Real Estate
Verified Income. Every Time.
Every Disney World STR investment at Own Luxury Homes® begins with Airbnb and VRBO platform payout statements for comparable currently-managed properties. Not management projections. Not income estimates. Platform-verified statements. The gap between a manager’s projection and verified platform reality is $15,000–$35,000 annually in the cases where it diverges. That gap, undetected, compounds to $150,000–$350,000 over a 10-year hold. Verified income is not a preference. It is the standard.
Section-Level STR Rules. Not Community-Level.
ChampionsGate North Village passed section-level STR restrictions in 2024. The community permits STR. The section does not — for new operators. A buyer who confirms STR permissibility at the community level and not the HOA section level has confirmed the wrong thing. Every Own Luxury Homes® introduction for an STR property includes section-level CC&R review before any offer. Not after. Before.
School Assignment at the Address. Not the Zip Code.
Horizon West has had school boundary adjustments that changed assignments without changing the community name. A family that chose a community for West Orange High School and received a redistricting notice six months after closing did not make a bad community choice. They made a verification choice: they confirmed the community-level school assignment rather than the address-level assignment. Own Luxury Homes® specialists confirm at the address level and ask about pending boundary reviews. Both questions. Every time.
Insurance Before the Offer. Not After.
Florida’s property insurance market has produced 40–60% premium increases since 2020. A buyer who assumes 2019 insurance premiums in their investment model and discovers the current reality at post-offer inspection has modelled incorrectly. Own Luxury Homes® specialists obtain bindable insurance quotes before any offer is submitted. The confirmed premium goes into the investment model. Not an estimate. Not a range. A confirmed quote.
The Market Is Not Generically Good or Bad. It Is Specific.
Disney World real estate has a 50-year appreciation track record, a $60 billion expansion commitment, and verified STR income data that makes the investment case documentable. It also has STR rule volatility at the section level, mandatory management fees that reduce net income by $12,000–$20,000 annually in specific Reunion Resort sections, and an insurance market that has materially increased carrying costs since 2020. The market is excellent for buyers who do the specific work. It is expensive for buyers who do the generic work. The 5% Performance Audit™ is the specific work.
The Disney World Real Estate Guide Collection
The 100-page guide collection below covers every material decision in buying, selling, investing, and living near Disney World. Each guide is built around verified market data, Disney World’s specific variables, and the due diligence framework that the 5% Performance Audit™ applies to every introduction.
Buying Near Disney World
- Buying a Home Near Disney World
- Should I Buy Near Disney World?
- Mortgage and Financing Guide
- Full Cost to Buy
- Is the Disney World Area a Good Place to Live?
- Cost of Living Near Disney World
STR Investment
- STR Communities Full Comparison
- STR Communities Ranked
- ROI Calculator
- Verified Income Guide
- Dynamic Pricing Guide
- Management Companies Guide
- Setup Guide — New Owner Checklist
- Tax Guide — TDT, Depreciation, FIRPTA
- 1031 Exchange Guide
Selling Near Disney World
Neighborhoods and Communities
- Best Neighborhoods Near Disney World
- ChampionsGate
- Celebration Florida
- Windermere
- Dr Phillips Orlando
- Lake Nona
- Winter Garden
- Reunion Resort
- Kissimmee
- Storey Lake Resort
- Windsor Hills Resort
- Davenport / Solterra Resort
Living Near Disney World
- What It’s Like to Live Near Disney World
- Living in Kissimmee
- Living in Celebration
- Living in Windermere
- Living in Dr Phillips
- Living in Lake Nona
- Annual Pass Holder Guide
- Commute Guide
Ready to Start?
One Verified Introduction.
Call or text Ryan directly, or request an introduction online.
Request a Verified Introduction →Ryan Brown — Principal Broker & CEO, Own Luxury Homes® LLC
FL Real Estate Broker License BK3626873 · NAR Member 624500541 · USPTO 7968024
View Full Credentials · 12-Point Integrity Audit & 5% Performance Audit™
"The introduction Own Luxury Homes® makes is to a specialist with documented closing history in your specific market — not the county, not the metro, the submarket you're actually selling or buying in. That's the standard we verify before your name goes anywhere."
— Ryan Brown, Principal Broker & CEO, Own Luxury Homes® (FL License BK3626873)