Small Business Coffee Break

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Dopazo Insurance

6 episodes

11 hours ago

The podcast where we take a minute to work on your business not just in it. I'm a small business owner that serves other small business owners and have noticed over the years that there are so many questions that entrepreneurs want to ask but don't know who to ask them to. So I started to interview professionals in their fields questions I often get asked by other small business owners.

Entrepreneurship

Business

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All content for Small Business Coffee Break is the property of Dopazo Insurance and is served directly from their servers with no modification, redirects, or rehosting. The podcast is not affiliated with or endorsed by Podjoint in any way.

Entrepreneurship

Business

Episodes (6/6)

Small Business Coffee Break

Understanding Commercial Leases (with Oscar Valdez)

Episode Title: Understanding Commercial Leases (with OscarValdez)

Guest: Oscar Valdez, Commercial Real Estate Agent, KWCommercial

Host: Alex Dopazo

Length: ~8 minutes

Episode Summary

In this episode of Small Business Coffee Break, Alex sitsdown with Oscar Valdez, a rockstar real estate agent with KW Commercial, to unpack the different types of commercial leases and the hidden costs that can surprise tenants mid-lease. From gross leases to triple nets (NNN) and everything in between, Oscar shares practical advice for small business owners who want to protect their cash flow and avoid unexpected expenses like tax reassessments and CAM (Common Area Maintenance) increases. If you’re considering signing or renewing a commercial lease, this is the conversation you don’t wantto miss.

Key Takeaways

The three main types of commercial leases: Gross, ModifiedGross, and Net (NNN).

What CAM (Common Area Maintenance) actually covers.

Why property tax reassessments can cause rent spikes after a building sale.

The one thing every tenant should ask about before signing alease.

How to read and review the operating budget in a net lease.

Timestamps

00:00 - Introduction: Working on your business, not just in it

00:40 - Alex introduces guest Oscar Valdez, KW Commercial

01:05 - What should tenants look for before signing acommercial lease?

01:45 - Oscar breaks down the three types of leases (Gross,Modified Gross, Net)

02:30 - Understanding CAM (Common Area Maintenance)

03:15 - Why real estate tax increases can catch tenants offguard

04:10 - How a building sale or reassessment impacts yourrent

05:00 - Real-world example: How one tenant ended up paying double

06:00 - How insurance changes can affect CAM costs

07:10 - Oscar’s top advice for tenants before signing a lease

07:45 - Closing thoughts and how to contact Oscar

Guest Information

Oscar Valdez

Commercial Real Estate Agent, KW Commercial

Connect with Dopazo Insurance

Learn more about how we help small businesses make smarterinsurance decisions:

Website: www.dopazoinsurance.com

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Leave a comment or question for our next episode

2 months ago

4 minutes 40 seconds

Small Business Coffee Break

Episode 5: Payroll Taxes: Should You File Now or Wait for Tax Season?

Welcome episode 5 of the Small Business Coffee Break the weekly video series where we take a few moments to work on your business not just in it. Today we talk about payroll taxes and if you should wait until your tax return with Carmen Peters of Fernandez-Bergnes & Associates P.A., a CPA firm in Miami. Carmen is a CPA with over 15 years of experience and the person I trust most when it comes to accounting and tax advice.

You can reach Carmen at info@afffbcpa.com, through their website www.affbcpa.com or give her a call at 305-648-7100.

If you have any additional questions you would like me to ask Carmen or any other general business questions you would like me to ask a professional in their field, please leave a comment below or shoot me a quick email at alex@dopazo.com. For insurance related answers you can check our my insurance blog at www.dopazo.com/answers

Thanks for watching and like our page for more short videos on helping run your small business.

2 months ago

2 minutes 22 seconds

Small Business Coffee Break

Episode 3: Should You Worry About a Personal Guarantee in a Lease?

Welcome episode 3 of the Small Business Coffee Break the weekly video series where we take a few moments to work on your business not just in it. Landlord wants a personal guarantee, should you be concerned? Today I ask Oscar Valdes rock star real estate agent with KW Commercial (Keller Williams Realty). Oscar has over 15 years of commercial property management experience including owning property himself.

You can reach Oscar at ovaldes@kw.com or give him a call at 786-587-8618.

If you have any additional questions you would like me to ask Oscar or any other general business questions you would like me to ask a professional in their field, please leave a comment below or shoot me a quick email at alex@dopazo.com. For insurance related answers you can check our my insurance blog at www.dopazo.com/answers

Thanks for watching and like our page for more short videos on helping run your small business.

3 months ago

3 minutes 16 seconds

Small Business Coffee Break

Episode 4: The Risks of Paying Employees as 1099 Contractors

Welcome episode 4 of the Small Business Coffee Break the weekly video series where we take a few moments to work on your business not just in it. Today we go deeper on employees and 1099's with Carmen Peters of Fernandez-Bergnes & Associates P.A., a CPA firm in Miami. Carmen is a CPA with over 15 years of experience and the person I trust most when it comes to accounting and tax advice.

You can reach Carmen at info@afffbcpa.com, through their website www.affbcpa.com or give her a call at 305-648-7100.

Thanks for watching and like our page for more short videos on helping run your small business.

3 months ago

2 minutes 17 seconds

Small Business Coffee Break

Episode 2: What do Landlords want?

Welcome to episode 2 of the Small Business Coffee Break the weekly series where we take a few moments to work on your business not just in it. Have you ever wondered what a landlord wants to see from a prospective tenant? Today I ask Oscar Valdes rock star real estate agent with KW Commercial (Keller Williams Realty). Oscar has over 15 years of commercial property management experience including owning property himself. You can reach Oscar at ovaldes@kw.com. If you have any additional questions you would like me to ask Oscar or any other general business questions you would like me to ask a professional in their field, please leave a comment below or shoot me a quick email at alex@dopazo.com. For insurance-related answers you can check our my insurance blog at www.dopazo.com/answers Thanks for watching and like our page for more short videos on helping run your small business.

3 years ago

2 minutes 55 seconds

Small Business Coffee Break

Episode 1: Independent Contractor vs Employee

Welcome episode 1 of the Small Business Coffee Break the weekly series where we take a few moments to work on your business not just in it. We created this series to provide some answers to common non-insurance business questions we get from our clients, with the goal of providing additional resources to help you with making your small business a success. Today I ask Carmen Peters of Fernandez-Bergnes & Associates P.A., a CPA firm in Miami, what are the IRS guidelines for 1099's. Carmen is a CPA with over 15 years of experience and the person I trust most when it comes to accounting and tax advice. You can reach Carmen at info@afffbcpa.com, through their website www.affbcpa.com or give her a call at 305-648-7100. If you have any additional questions you would like me to ask Carmen or any other general business questions you would like me to ask a professional in their field, please leave a comment below or shoot me a quick email at alex@dopazo.com. For insurance related answers you can check our my insurance blog at www.dopazo.com/answers Thanks for listening be sure to subscribe for weekly coffee breaks to help you work on your small business.

3 years ago

3 minutes 58 seconds