Episode 73: Moving to Pensacola? Find Your Gulf Coast Home with Kim Taylor

0:01 All right. If you have ever considered moving from across the country to a new state, specifically Florida, I've got a guest you got to listen to. Hey, everybody. Nate Carver, host of Between Two Doors. And today we're talking to Kim Taylor, a real estate agent in Pensacola, Florida. Hey, I'm Nate Carver, and welcome to Between Two Doors.

0:45 Like you. Hello, Nate. How are you today? I'm great. I'm doing great. It's been fantastic. The tourism season is over, and there's no lines out of the beach, so good time. I'm sorry. Humidity is dropping. And humidity is dropping, so let's let's jump into it. You're originally from California. You've lived and worked in New York, and somehow you ended up in Pensacola. So let's start with the obvious, obvious question. How did Pensacola win? How did Pensacola win? Sure. Well, my jaunts have actually, I've I've zigzagged the country twice now.

1:28 Started off in the San Francisco Bay area, took a job straight out of college, was in New York City and New York for 24 years. A job transfer. Took our family to Southern California for ten years. When I got divorced, I needed more affordable housing than Southern California could give me. So I had a sister who just moved to the the Gulf Coast and came to visit her a couple times during the pandemic. And my brother in law told me about this sweet little town called Pensacola. He'd lived here. He raised some girls here. And he said, Kim, I think you might like it.

2:08 Why don't you give it a try? So I did, and I. And I bought a house and stayed. There you go. So affordability was a big part of it. But I also hear something about the water. You're an active swimmer. What's that story? Sure, sure. Well, during the pandemic in, I was living in Southern California between 2013 and 2023. So during the pandemic, Southern California was very hard hit. LA, New York, these big cities. And because of that, every every gym, every swimming pool, there wasn't there wasn't anything to there wasn't anywhere to exercise. Sorry. I'm losing my words here. I'm getting nervous.

2:49 But the how do I get back on track here, Nate? The the the net of it was that I started open water swimming because there were no swimming pools. And when when I needed a place to move, I knew that swimming had become such a lifestyle. Swimming in the in the open water in the Pacific had become such a lifestyle that whatever I moved, I needed to have a body of water to swim in. Ideally ideally salt water and not lake water. I, I just prefer it it it. The pandemic changed so many people's lives in in many ways, not necessarily for the good, but for me, open water swimming just became a lifestyle.

3:31 Nice. How often do you get to go out there? I swim 2 to 3 times a week. A couple miles at a go. So anywhere between 4 and 6 miles a week. Wow. I was out there three days ago. It's the harvest moon. Full moon? It was. And no photo. Does it graphic in or does it justice? Because I'm. That moon was huge. But what? I noticed the water. So you think Gulf of Mexico or any body of ocean water or Gulf water? Gulf of America. Wait, you think you're going to be crashing waves and all that? And it's going to be really rough. It was like glass. And so people out on the Gulf in their boats, anchored up to the beach and people are out.

4:15 It was great. It was beautiful. No, wait. So, yeah, you could swim. I don't know how close to the shore are you when you're swimming? Parallel to it. It depends on the day. It depends on the conditions. We. We're in adventurous bunch. I I'm, I swim pretty aggressively. So we enjoy the days that are like a lake. Those are our green flag days. We will swim on yellow yellow flag days with a lot of chop. We'll swim on double red flag days, and on those days we have to swim far enough away from the lifeguards so that they don't see us enter the water. But there's really not any water we won't swim in. Yeah, we we.

4:57 I swim with a pretty seasoned bunch of swimmers. So. Yeah. And I learned to embrace all types of weather because my training really was in the Pacific, right? Yeah. We used to swim out to the second sandbar. Still do. But every now I always walk by the lifeguard stand like, hey, I'm local and I'm going out to the second sandbar. Don't come in for me. Oh. That's funny. That's funny. Yeah. It really all just depends on the break. Because if the break is close, we just really need to be outside. Yeah, we don't want to get rolled and tumbled by that, so we'll swim outside of it. Right. And of course, it's crystal clear.

5:38 It's just beautiful. Most. Most days. If we've had a storm, the water gets churned up during the middle of summer. You've got June grass. Sometimes we've got the sargassum, and we just dodge and zigzag through the water to avoid these things. And yeah. You try and find the sweet spots. Yeah. Wow. Well, I love it. I absolutely love I'm a water baby. I got my life. I got one foot in my farm and I got one foot in the beach. And I couldn't be any happier. Unless I can do both in the same day. I know those kind of days. Yeah. So having grown up in Northern California, the biggest, the biggest, you know, the biggest cause for celebration is if you could go be skiing and Tahoe and still get to the beach in one day.

6:25 Doesn't often, but it can be done. Wow. Yeah. That's what the. Yeah. Perfect day. Well, okay. So tell me what. What first brought you into the real estate industry? Your your path to your your path to real estate? Sure. Well, I was paired up with a really phenomenal real estate agent here in Pensacola. I was considering Pensacola. I wasn't decided, but I came here. I was in between jobs, so I took an Airbnb for two weeks. I had a sister in town who was able to give me a car for two weeks, and this realtor just showed me around.

7:05 I during that two week period, I also was interviewing the swimmers, but she showed me about 40 homes and I wanted to make sure that I was sure that I was ready to buy. And during the course of that time, I could visit the restaurants and appreciate the the downtown and the vibrant activity schedule, the festival schedule. And I tried to fit as much in two weeks as I could. And during the course of our negotiations for the home, I actually bought my real estate agent. Her name is Jenny Rushing. She said, Kim, I need you on my real estate team.

7:49 And I said, what do you mean, Jenny? She's like, the way you have handled this, the way you've negotiated, the way you have. You have negotiated the purchase price down from the lowest price on new construction was pretty impressive to her. And I said, you've got to be kidding. I don't want to be a real estate agent. Well, fast forward a year later. Well, no. Maybe 6 or 9 months later, I did join her team. So it was really my real estate agent who encouraged me to to consider this as a career. Good for you. And you in. Prior to that, you were in the mortgage side, right? Yes, yes I was. I took a job in with a fintech company, a completely online lender, during the during the pandemic, and quickly got licensed and was licensed in 11 states.

8:42 And actually, I could work anywhere from Florida to Massachusetts. I was licensed in Alaska so I could work in multiple time zones and actually pull in a lot of overtime just in mortgage sales. And at a certain point, my company changed us from just on the sales side to being single point of contact and getting the getting our clients to closing. So it was it was a fast learning curve. I enjoyed it, I enjoyed the conversations I got to have to with people because for me, it wasn't just about locking the rate, and it wasn't just about the kind of house they wanted to buy.

9:22 It was you really get to know their story. If all you do is talk. If all you do is talk income, assets and credit and debt to income ratio all day long, a conversation actually flows and then there becomes a relationship. So I, I loved talking I found out I loved talking with people. Right. Oh I, I get it on the list. You know, when it comes to real estate, realtors get to work on what I call the sexy side of the transaction. And as lenders, as a loan officer, it's numbers. It's documents and forms. It's not very it's not very fun. And so but when I have my conversations with buyers and getting them approved and, and all the way to closing, I focus on their goals, their dreams, their why.

10:12 Right. And by the time we get the closing, if it takes 30 days, I've as a lender, I've developed a friendship there. Right. You know, in a level of, I would say a high level of trust in. But I definitely see it on when I go to closings. Realtor a walk in, buyers walk in, they go right to each other. Great big hugs and smiles. And then they look at me and like, who are you? I'm just I'm just the lender. And so it's fun. And anyway, I'm I'm happy to be a part of that. And so, so tell me when you became a realtor. When when did it clicked for you that that this felt more like a calling than a career? Oh.

10:54 There was a lot of imposter syndrome at the beginning, because even though I could pass a test, even though I bought and sold several homes in in, in my adult years, I still didn't understand everything I needed to know. I didn't have it all memorized yet, and so I was leaning on my mentors to guide me through those first few transactions, of course. And probably sorry. When did I know? When did I know I forget. I forget my answer. Nate. You're gonna. Are you going? Are you going to edit this pause out? This is live and vulnerable.

11:35 It's quite all right. Early on, was there Maybe this will help jog that. Was there a closing or was there a client that you you worked with that was significant at that closing? Like this was life changing for them or this was a significant benchmark in their life course? Well. Yes, actually, thank you for jogging my memory. I was able to help a a federal employee and he had he was getting remarried and he was just at a very life changing moment. And he needed to purchase a home because the government had brought him into Pensacola.

12:19 And just getting to know him, we had a New York connection. He was raised in the Bronx, so we had some common touch points that we could talk about and some New York isms about us. Even though I wasn't born and raised in New York, I moved to New York the minute I graduated from college, and I like to say that I became an adult in New York. And 24 years there, you learn to speak a certain language. There's a directness amongst New Englanders and New Yorkers, and there's a a cadence to a conversation, even that, that New Yorkers can share. And while we can be perceived as rude by many, I try not to present myself as rude. But there's a there's a there's a rapid a rapid fire to the conversation.

13:05 So we just synced and because he, he needed some extra time to get his finances in order for this purchase, the the transaction didn't go as quickly as he wanted. And so we were we had to wait for a few houses until all of his paperwork was there. And and again, it was a relationship that was built. And fast forward, he did it. Get it. He did get in the house. We did celebrate the the purchase. And we've got we got the picture at the closing day. But he came to my pie party at Thanksgiving the following year. And it's a phone call. It's a phone call away, you know, and I can invite him to the jazz festival because I know he likes jazz and I know she likes jazz, and and that's that's a flow that makes you feel good about what you do.

13:59 And you mentioned pie. I love pie. Tell me what the pie party is. Sure. Well that is something that Berkshire Hathaway, where I used to work has every, every fall. It's a way of showing appreciation to our current clients, former clients and just a way of bringing everybody together. We throw a it's a party in the office, but it's it's a beautiful, decadent spread of, of savory and sweets. And we just celebrate the fact that we, we get to serve some amazing people. Nice. What's the first one that's gone? What's the first one that's wet? That's gone? I'm thinking apple pie. I don't know. Oh, well, we we actually give all of our clients a chance to bring home a pie.

14:43 So they get to choose apple, apple, pumpkin or pecan. And we send each of our clients home with a pie to serve Thanksgiving week. Okay. Perfect. That's nice. That's nice. Thanking our clients. So we talked about what brought you to Pensacola. Pensacola is wonderful. Like you, you've moved there during Covid and have no doubt have seen the transition or the upgrades, if you will, improvements. All the new that has come to the Pensacola area and and the lifestyle in Pensacola proper and surrounding areas.

15:26 It's it's it's a wide variety. You got the beach life. You got downtown Pensacola nightlife and some really fantastic shops there. Then you go a little north, little northeast. You got Milton, Pace, further in. You go towards Interstate ten, you know, more country. All of those different types of communities. How do you help someone figure out where they belong? Sure. Good question. First off, I like to know where they're living now, what they love about it, what they don't love about it, what their dream home might be.

16:07 It's a good starting place. But where are you coming from and where would you like to land. Because I do have buyers who tell me they only visited once as a teenager, but they know they want to retire here or only visited once briefly and they want to buy home. And so I have to do a real check in. The second point is what's their budget? What's what are we? We have to be realistic about what they're buying power is. And then my then my objective is to find that pocket for them and find the neighborhood that will that will achieve both their goals.

16:47 Meaning I can I can either buy. I might have cash buyers. I do have a lot of cash buyers. I have people who need first time buyer FHA loans with minimal down. We get military in a lot of military, and so each of them come with different, different budgets, different goals. We have military to come in and spend their stipend on, on a starter home that they will rent out when they are shipped off elsewhere. So. Right. How to find the right night? Right neck of the woods. You know, if they want to be in flip flops all the time, I will try and get them as close to the beach as possible. If they want more of a quiet country feel, we're going to go look at Milton or Cantonment.

17:34 Maybe Pace, if they want. If they want a turnkey home that's brand new, we're going to look at an Adams home, maybe a Horton home. It really it depends on budget and goals. Yeah, yeah. I've got a cousin that lives up in Milton now. He'll go out to the river Blackwater River. I don't think he's been to the beach in years. So, I mean, it's all kinds. There's all kinds of opportunities in that area of Florida. So. Not me. I'm going to the beach. It's. What does Pensacola have that you think people outside of the area still don't know about? Sure we have. We Pensacola has a lot of culture and arts and think of us as just this beach town.

18:22 They don't know where Pensacola is. And I, I just say, think of the Panhandle. Go as far west as on, on, on the Panhandle as you can. And just before you hit you, you hit Alabama. That's where Pensacola is. So they're surprised to find out we're in the Central Time zone. They think all of Florida is this big long state in the Eastern time zone. We are very much part of the Central Time zone and Pensacola. I like to say that if it's the weekend, there's probably a festival. And sometimes there's not just one festival. There's two festivals because our town, our city just has evolved to a place where we want to be outdoors, we want to be having we want to attend the battle of the burgers on the Bay.

19:05 We want to go to the Tall Ship Festival. We want to go to the Arts Festival, the Jazz Festival, the Crawfish Festival, or the Seafood Festival. There's always something. Yeah, yeah, mullet fest. Don't forget that. That's that's down in Florida. Yes. It is not far. And then the battle of the bands out on the beach during this I guess the summer season. But yes, right now the next step coming festival is the Singer Songwriter Festival. That one last two full weeks, one week. All of those singer songwriters are going to be performing at downtown restaurants. And then the second week they move out to the beach. I just got last night at the bands on the beach. The they were set up with a table, so I got the full slated schedule.

19:48 Most of those singers come out of Nashville. They've got up and coming careers. It's a phenomenal lineup and I will be there at many of them just because I love the vibe. I love, love the beach vibe. I love outdoor music venues. The other thing that Pensacola offers is the the Chamber of Commerce in the city put on along with Cat Country put on bands on, bands on the beach. It runs from April to the end of October. Every Tuesday night, 7:00 there's a band playing and there are typically four generations of people out there with their beach chairs enjoying live music in the open air. And you've got the sunset, the surf music, and a lot of happy people, so you can't beat it.

20:34 It's free. Yeah. Nice. Let's talk a little bit about real estate in Pensacola. What do you genuinely love about being a realtor? Sure. What I love is, is helping people who are in transition and, you know, from, you know, from mortgage, in mortgage, in the mortgage business, you, Nate, find out more about an individual than maybe their own mothers or siblings. Know about people. You've found the deep, the deep, dark secrets, their finances, their debt, their anything. And when people are in transition and moving, it can it can.

21:18 When they're in there, when they're in transition, they don't necessarily always know what they want. They know where they want to be. But it's sometimes a winding road to get there. So what I love is helping them discover that I do enjoy working with buyers. I love the hunt. I love helping them discover what what will fit. And I love getting them. I love getting them to the finish line. Nice. Yeah, there's a couple of couple of benchmarks along the way, and I try to think. I absolutely love closing with one. Which one this morning. But those benchmarks along the way, being able to tell them, you know, we got we cleared inspections, got an offer accepted.

22:03 That's a huge all these different celebration marks ordering or issuing a clear to close in the game. Seeing someone get keys handed to them is definitely the payoff, right? Absolutely. Absolutely. What's something consumers misunderstand about realtors until they've actually been through a transaction, maybe a difficult transaction? Sure. The perception, I think, from the public is that realtors just get handed keys, open doors. We are the Vanna White of real estate that we're just showing a house like one shows a boat, and there's so much more to it on a legal.

22:52 On the legal side of it, there's a lot of laws that we have to abide by. There are fair housing rules, there are trainings that we have to attend just to make sure that we are compliant with federal regulations. Yeah, it seems small, but we are no longer able to use the word master as a as in master bedroom. We now call that the primary bedroom. And and there's different ways that we communicate about traveling distances, because traveling distance has to be used in concrete miles or minutes. And, and these are all just small sort of semantics.

23:33 But but more than that, for a first time homebuyer, a realtor is is clutch and absolutely key because there are inspections to handle. There are termites and and when for 4.4 point investigation blah blah blah four point. Wind inspection. Wind inspections. And as a homebuyer who doesn't have a real estate agent who's invested in their successful purchase, they they could be running in blind to a purchase and and find out that they're sorry afterwards just because they didn't do their due diligence in all the right ways.

24:16 So a realtor really just protects that home buyer in the process. We hold their hand, and more than anything, I feel like as a fiduciary, I because I'm, I, I sign a, I sign a form that that with the buyer prior to our working together where I promise to be their fiduciary and to keep their best interests, their financial interest at the forefront of all our of all of our negotiations. And in that, I'm there to make sure they pay the least amount possible for that home. Just as with this, my job is to get them, help them leverage what they have, and get the most amount possible.

24:59 But part of the negotiation process is, is to find the meeting of the minds. And there's a lot of emotions stored up in the process for both sellers and buyers. And the the real estate agents got to be the level headed one that can use that. They can rely on intellectual, rational knowledge and not be caught up and swept up in the emotions of the purchase. So we we really walk through the process to protect the buyer and the seller's interest throughout the, throughout the negotiation. Okay. You mentioned that four-point. I'll always tell buyers that you know, the realtor, the lender and their insurance agent is their team.

25:47 You know, and we we're all here to help them win. And for example, we had we had a house under contract inspection came back. We knew it needed a new roof. It was pretty old. The insurance agent had already written up a preliminary form and, and raised the question about four-point wind inspection, the the hurricane clips. And the realtor told me we needed a new roof. I'm like, great. When can you get that done before we close? And so and he's paying for it and sellers are paying for it. And we're like, well, hey, wait a minute, is they're putting a new roof on there.

26:31 We can go in and do the hurricane clips for pennies since the roof is off. And whereas have you done that on an existing roof, it is a very it can be very, very expensive depending on the pitch and the room and the crawl space and all that. They were able to go in there and put those on there, then put the new roof on, save the homebuyer thousands of dollars in insurance premiums because and I don't think it would have happened had the three of us not been communicating in any way. That's a big fan of communication and stuff like that because of, you know, the realtors keen on the buyers and the property, the insurance agents looking out for them and the and the lender myself is looking out for them.

27:20 It was a good deal that that bar were, and they knew they knew what it was going to cost him because they had the initial insurance quote, and we were able to come back and show them that massive difference, they would be unhappy. And so. Yeah, and I think. The other the other thing about being a realtor, which I do think is a privilege, I, I feel privileged to be chosen. There's there's a ton of real estate, as they say, that if you can throw a rock across a room, you're probably going to hit a realtor. And if they've chosen me, then I feel it's my duty to give it my absolute best. And I do not feel that my job is to sell any particular house.

28:01 I do feel like the house needs to sell itself. My job is to make sure the negotiation gets wet, goes well so that you can you can be now the owner or the or to sell that house. And there are so many different ways in which that can go wrong in the process, whether it's with lending or the inspection, or simply the fact that a seller could be could be fussy, a buyer might make a request of a seller and the seller may refuse. And then we've got a stalemate. And and the buyer might walk because he doesn't like the seller's attitude. And seeing deals go very badly even after a bidding war.

28:43 And so you hate to see that happen. You hate to see that that where there was a meeting of the minds, suddenly somebody got sensitive and prickly and, and I feel like that's my job. That's where I can come in and smooth, smooth out those those bubbles and wrinkles and appeal to people's sense of rationality and, and get us to the finish line. I think that a huge amount of empathy is required. People can take adversarial positions when there doesn't need to be. And just being the voice of reason in the room, right? You you walked through hundreds and hundreds and hundreds of homes.

29:25 What do you think actually turns a house into a home. For me? I'm not even sure it's the home because we can look at tiny little one bedroom condos by the beach, and we can look at $3 million mansions. What makes a home for me is the community I have surrounding it. I can move all my pretty things into a home, or somebody can put their favorite painting on a wall. It still isn't a home until you know you have resources around you. You know how to find your grocery store. You know somebody, you know, somebody first name in town.

30:07 You got people to meet. And that takes time. And for newcomers, it takes a lot of bravery to move into a new home, into a new city. But I think what makes home is the community that you build around it. All right. Good. Let's talk about community for a little bit. You're involved in Impact 100. Tell me about that organization and why you chose to get involved in it. Sure, sure. Well, when I first moved to Pensacola, I actually came with a thought that I might go to work for a nonprofit, a full time job with some nonprofit. I didn't know where. I started looking around, and I found out that that wasn't actually going to be a good fit.

30:51 But I did find Impact 100 along the way. What Impact 100 does is it's an international organization and it's darted. Pensacola has the largest chapter in the world. I'm told we have over 1000 women. And the mission of the organization is to have an impact on the nonprofits within our surrounding counties. So we are trying to make an impact on those nonprofits in Escambia and Santa Rosa counties, which really encompasses the broader Pensacola area. Most people don't know that Pensacola sits kind of straddles to two counties.

31:35 And what we do is as members is each member is tasked to bring $1,000 to the organization, at which point we accept grant proposals from nonprofits in the two counties. And we have a very structured grant writing team. We have a grant organization that we prepare the nonprofits to write the grants proposals. Then we have a grant review team, and we visit the the nonprofits. And their biggest, their biggest hurdle is to prove and to articulate how they will use, say, $100,000 grant at the end of the year, once all of the the membership has voted on their, their, their chosen recipients.

32:24 We, last year, awarded $1,300,000 grants to 13 different nonprofits in in the greater Pensacola area. So it's a pretty rewarding organization to be a part of. We've got, I think, a 1% or maybe a 3% overhead. So literally 9% of my thousand dollars goes to nonprofits. And I really love that. I love those numbers. Yeah. Me too. That's my first question. When I get hit up to make a contribution, let's tell me what the numbers are. And and it's not that if they're not close to what you said. Oh, no. It's good. Is there is there a is there a cause or community issue organization that you're particularly fond of or close to your heart?

33:12 Yeah, sure. I am at my heart of triathlete. In 2009, I ended up accidentally signing up for a triathlon with a friend, and it quickly became a lifestyle I had before that. I had just. I'd grown up on a swim team and I swam all the way through high school. I never swam college, but I did my first marathon before I turned 40. That was a bucket list thing. And then it went. That was I was 38 when I did my first marathon, and then 2009, I did my first triathlon. So when I came to town, the only way I could find the open water swim club was through the travel on club.

33:53 So I quickly became friends with these people. My fellow swimmers, and I was quickly invited to join the board of directors. And so I did serve on the board for two years as the secretary of the club. And that was that was really fun. That was pretty exciting. It was a quick way for me to meet friends who were both very fit and exciting and dynamic and very health conscious, and I just found myself a tribe that was fun to roll with. And they had nothing to do with real estate. Most of them don't even know I'm a realtor, but I can show up on a Sunday morning, in the dark in the summer and get prepared to run for running any race I need to or not.

34:42 I feel at this point I'm now approaching. I just have my 59th birthday, and I can say that openly, simply because when you're in the triathlon or marathon world, you often have to put your age. We used to have to put our age on our arm or leg. You were you were branded before race with your age, and you knew if you were passing up a 25 year old, you were passing up a 25 year old. Plain and simple. And I love that. I love those moments. I'm a very competitive person, I found out. And so I, I, by way of giving back the last couple of years, has been through that club and just really at this age, I don't run anymore.

35:24 I've got my knees are too arthritic, but I can swim and bike a lot, and I mentor and come alongside a lot of newer, younger triathletes who are killing it. They are out at Iron Man's and Half Iron Man's and doing ultra ultramarathons, and it's a pretty dynamic, athletic crowd here in Pensacola. Wow. Would you say your that experience is translated into your business ethos? Oh, absolutely. Absolutely. For me, there's no there's no transaction that's ever going to be a sprint. There's no such thing as a sprint in the real estate world. Or maybe the mortgage world, maybe some maybe a cash buyer can come in and sweep up a property in two weeks.

36:07 But that's not the norm. When I swim, I swim long, I swim, there's nothing less than a mile. There's no bike ride that for me, that's less than ten miles. It's it's always longer. You you prepare, you prepare your your nutrition, your hydration. Everything's everything is a long haul. And so you might as well settle in and make the best of the relationship and get to know people and make a friend along the way. Well. So let's see. Far. Let's see. California far out as west as you can go up to New York, Pensacola. What's on your bucket list? Sure. I've never been to the Maldives.

36:47 I've seen amazing pictures and social media posts about it. I would love to go back to Greece. I've only seen a little bit of Greece. I've never been to. I've been to Italy and spent a couple of weeks there. But never. Yeah. All right. We are almost out of time, so I'm going to hit you up with some rapid fire. One word answers and I'll try to I'll try to stick to that rule too, because I'm trying to get into it. All right. In Pensacola, sunrises or sunsets? Sunsets. Pensacola beach or Perdido Key beach. All right.

37:28 Pool or Gulf? Gulf, always. Always swim. Bike or run? Swim. Tough one. California or Florida? Don't make me choose. Don't make me choose. Made some amazing friends. But I have a I have a I have a family there too. And so I could. Make. Everybody come to Florida. I could Nestle. Into either one, but I can afford Florida. There you go. All right. Big city or beach town? It depends on my mood. Yeah. All right. All your traveling, window seat or aisle or center seat? Always the window. All right. Carry on or check the bags.

38:11 If I check my bag, I have more fashion options later. All right. Fair enough. Favorite. Favorite airport? Heathrow. That's a good. I've been there. That's a good one. Well, they they have their transportation. Okay. I'm drifting. Favorite restaurant in the time that you've been there that you've discovered for yourself in Pensacola? Date night restaurant. Brother Fox or Pearl horn? I love George's Bistro. Yeah. Are all good calls? Good calls. All right. Warning. Workout or evening? Workout. Morning. Get it started. All right. Luxury home. This is for you. Luxury home or a quirky old house with character. Oh.

38:53 I like both. Yeah. I like, I like both. All right. Dogs. Cats. Dogs. All right. One place everyone should visit at least once if they come to Pensacola. Casino Beach. Yeah. Yeah. What's the best advice you've ever received? Don't rush. All right. All right. Closing it up, Kim. It's been fantastic. You've lived very different places. You've traveled extensively. You've raised. You've raised three sons. You changed careers. You've competed in triathlons and eventually chose Pensacola as your home. After all that.

39:36 What does home mean to you? Today? Home is my ohana. Home is my community. Home is the... Family, relatives, whether they're relatives or not. It's the community I've been able to create around me. All right. So if anybody's thinking about making Pensacola or the Gulf Coast area of their home, what's the best way they can connect with you? I am Kim T at levinrinkerealty.com. I'm I'm I have a realtor page on Facebook. Kim Taylor, realtor covering Santa Rosa and Escambia county. I'm on homes.com. There's a couple Kim Taylors. It's a pretty common name, but I'm the only Kim Taylor in Pensacola who serves.

40:20 So my phone number, my email or on all of those, all of those platforms. All right. And I'll make sure I get all of that linked up to wherever y'all are listening or watching this podcast so that you can reach out to Kim. Kim. That's it. Thank you so much for being a guest on Between Two Doors. I'm Nate Carver, your favorite mortgage guy. If you need questions answered about lending, I'm always available as well. My link's going to be down below as well. Kim, I'll see you again soon. Thank you so much. I really appreciate it. All right. Thanks, Kim.