XCLUSIVE HOMES LLC - FRAUD, FINANCIAL ABUSE & REAL ESTATE MANIPULATION…read more
Property: 3511 Caloosa Street, Naples, FL
Involved: José Sandoval, Wally Pérez, Millie López, Edith Pérez Heidi Pérez, Victor Pérez
Loan Officer: Letty Gutiérrez (Morgas Group) Allin Pelham Action Title.
They sold me a rotten property on purpose. The value was already inflated before they even met me. When they saw I was a woman alone, they said: "She won't notice." They raised the price for no reason -- and now I'm the one left with the legal and financial risk.
THIS WAS A SETUP:
* The appraisal was already rigged:
Xclusive Homes used someone they knew to artificially raise the value to $350,000.
The property was listed in November 2022 for $355,000, based on that manipulated appraisal.
* When they saw me, they raised the price without reason:
They sold it to me for $380,000 -- $25,000 above the already-inflated market price.
Why? Because I'm a woman. Because they thought I wouldn't understand. Because they saw me as vulnerable.
* I funded this scam with my own money:
* I sold my double-lot property to cover a $120,000 down payment.
* Letty Gutiérrez refinanced me into a 10% loan, personally -- and turned the entire deal into a personal liability under my name.
* The house was titled under an LLC, but the debt is fully tied to me -- the perfect setup.
* I've paid nearly $120,000 in mortgage in less than 3 years.
* I've spent over $150,000 in repairs just to make the house livable.
* I didn't find out until it was too late:
They sold me the house in November -- during dry season.
By June/July, I found out the property completely floods.
Only one car fits when it rains. The land is compromised.
They knew this -- that's why they rushed to sell it before rainy season.
This is what they do. It's calculated.
AND NOW:
* They ignore me. They gaslight me. They tell me I'm exaggerating.
* They refuse to help me sell unless I get a lawyer.
* I'm exposed: if I sell this house without disclosing the hidden defects they never disclosed to me, I could get sued.
* And when I try to speak up, they act like it's my problem.
THIS IS WHAT XCLUSIVE HOMES DOES:
* Inflates appraisals using insider connections
* Uses family members as hidden sellers (Victor Perez & Haydee Perez.
* Hides major structural and flooding issues
* Targets vulnerable women and solo buyers
* Disappears after closing and leaves you with the damage
They scammed me. They left me with massive debt, a worthless property, and the risk of losing everything.
Do NOT trust Xclusive Homes.
Stay away from José Sandoval, Wally Pérez, and Letty Gutiérrez.
This was a calculated operation. And I was the target.
And let me be clear about one more thing:
Diana Villarreal reached out to me offering to help sell the house.
When I told her the address -- 3511 Caloosa Street -- she never responded again.
Not a word.
She ghosted me because she knew.
She was involved.
She backed off to protect herself. How convenient.