This investment property just got a major upgrade. 🌲
Now offering an additional 12.5 acres, this exceptional Smoky Mountain resort has expanded to 23.24 total acres.
Featuring 7 luxury A-frame cabins already in place, this property offers immediate income potential with even more room to grow. Whether you’re looking …
5
Rates jumped again this week. 6.7% as of Thursday. Some buyers see that number and just stop looking. That is the mistake.
Here is what I am telling my clients right now.
1. The rate you see online is not the rate you get. It is a national average. Your actual rate depends on your credit score, your loan type, and yo…
5
Do not touch a single box until you have handled five things first. The couches can wait one more night. These cannot.
1. Lock yourself in first. Rekey every exterior door or replace the locks outright. You have no idea how many spare keys are floating around from past tenants, contractors, or a neighbor who used to w…
21
1
Today’s the day ☀️Come see one of the prettiest homes in 37922 ✨ 10632 Lakecove Knoxville #knoxvillerealestate #lakelife #farmhouse
4
There’s a strategy going around right now that sounds too good to be true. Buy a house. Live in it for a year or two. Buy another one, move in, and rent out the first. Repeat that five times over ten years and you’re supposedly a millionaire with your rentals paying for your own home.
I want to give you the honest ver…
5
Some homes have one standout feature.
This one had me saying, “Okay... what’s next?” 🤍
From the soaring ceilings and elegant winding staircase to the statement fireplace and move-in-ready design, every space at 10632 Lakecove Way feels intentional, timeless, and inviting.
And the lifestyle is just as impressive. Loc…
6
A household earning $75,000 a year, think teachers, nurses, skilled trades, can currently afford just 21% of the homes listed for sale.
Back in March of 2019, that same household could afford 49% of listings. That’s not a small shift. That’s half the market disappearing for middle-income buyers in about six years.
Zo…
27
1
If your Pinterest dream home came to life... this might be it ✨
🏡 JUST LISTED at 10632 Lakecove Way
This beautifully designed home blends timeless style with modern comfort. Built in 2018, it offers the finishes today’s buyers love - so you can skip the renovations and start enjoying your new home from day one.
Step…
7
2
If you’re a seller trying to decide how to sweeten a deal right now, I want you to see the actual math before you default to cutting your price.
Let’s use a real example. A $500,000 home, buyer putting 10% down, financing $450,000 at today’s rate near 6.5%. That buyer’s payment sits around $2,844 a month before taxes …
5
What if your perfect East Tennessee home is in this video? 🏡
This weekend is your chance to step inside some incredible homes and experience what makes each one unique. From beautiful interiors to desirable neighborhoods, you never know which property might feel like home until you walk through the front door.
✨ Watc…
10
What if your perfect home in East Tennessee is hiding in this carousel? 🏡✨
Swipe through to discover this weekend’s Open Houses and explore homes that could be the perfect fit for your next chapter. Whether you’re searching for more space, a different neighborhood, or your forever home, there’s no better way to experi…
17
The best homes are the ones filled with love… and maybe a wagging tail or purring welcome. 🐱🐾🐶#knoxvillerealestate #morewaglessbark #homeiswheretheheartis
pamellasellshomes
This investment property just got a major upgrade. 🌲
Now offering an additional 12.5 acres, this exceptional Smoky Mountain resort has expanded to 23.24 total acres.
Featuring 7 luxury A-frame cabins already in place, this property offers immediate income potential with even more room to grow. Whether you’re looking to expand the existing resort, create new experiences, or hold valuable land in one of Tennessee’s most visited destinations, the possibilities are wide open.
Ready to learn more about this unique investment opportunity? Send us a DM or reach out for the full property details.
📍 903 Jersey Dr, Sevierville, TN
🏡 7 A-Frame Cabins, fishing, walking trails, kayaking + more!
📐 Approx. 23.24 acres
💰 Under $5,000,000
Listing Agent: Kaitlyn Schroth • 865.855.5532
Co-Listing Agent: Pamella Haynes
Pamella Property Advisors | Realty Executives Associates
📲 865.355.0955
pamellasellshomes
Rates jumped again this week. 6.7% as of Thursday. Some buyers see that number and just stop looking. That is the mistake.
Here is what I am telling my clients right now.
1. The rate you see online is not the rate you get. It is a national average. Your actual rate depends on your credit score, your loan type, and your lender. I have seen clients get quotes a full point apart in the same week.
2. Ask about a temporary buydown before you ask about a lower price. A seller-paid buydown can knock your rate down 1 to 2 points for the first year or two. That is often a bigger monthly savings than negotiating another $5,000 off the price.
3. Float-down options exist. If you lock today and rates drop before closing, some lenders will let you re-lock at the lower rate for a small fee. Ask before you sign anything.
4. Rate news moves fast and it does not always move the way people assume. This week’s jump had nothing to do with the Fed. It was geopolitical. Next week could look completely different. Waiting for the “perfect” rate is a losing game because nobody, including your lender, can predict it.
5. Your monthly payment is a math problem, not a feeling. Run the actual numbers with a lender before you decide a house is out of reach. I have had clients talk themselves out of homes they could easily afford because a headline scared them before they saw their real number.
6. Your credit score matters more right now than it did a year ago.
Even a 20 point bump can move you into a better pricing tier with most lenders. If you have 60 to 90 days before you plan to buy, pay down credit cards first. That single move has saved my clients more than any rate news ever has.
The buyers who win in a market like this are not the ones waiting for rates to drop. They are the ones who learned how to negotiate around the rate.
If you want me to run your real numbers instead of the headline version, DM me. I will show you exactly what you can afford today and where you actually have room to negotiate.
pamellasellshomes
Do not touch a single box until you have handled five things first. The couches can wait one more night. These cannot.
1. Lock yourself in first. Rekey every exterior door or replace the locks outright. You have no idea how many spare keys are floating around from past tenants, contractors, or a neighbor who used to water the plants. A locksmith runs $100 to $150, or grab rekey kits for about $20 a lock and do it yourself in an afternoon.
2. Learn your systems before you need them in an emergency. Find the water shutoff and the breaker panel and label every single breaker while the house is still empty and quiet. Locate the gas shutoff and the water heater too. A burst pipe at midnight is not the moment to start guessing which valve does what.
3. Protect what you cannot see yet. Swap the HVAC filter and write the size on it in marker, since you have no idea when it was last changed and a $15 filter protects the most expensive system in the house. Test every smoke and carbon monoxide detector and replace any unit over ten years old. Then walk every empty room with your phone recording. That footage is your baseline for condition and your proof if you ever need to file an insurance claim.
4. Make it actually yours. Reset the garage code, any smart locks, the thermostat, and the wifi router, because the last owner’s phone may still be quietly connected to all of it.
5. Close the paper trail. Get power, water, gas, internet, and trash moved into your name and find out which day the truck runs. Then hunt down any leftover paint cans, manuals, or warranty paperwork left in the garage or closets so future touch ups actually match.
Handle these first and you spend your first month settling in, not scrambling to catch up on things you should have caught on day one.
DM me and I will send you the printable version to keep on your phone through closing week.
pamellasellshomes
Today’s the day ☀️Come see one of the prettiest homes in 37922 ✨ 10632 Lakecove Knoxville #knoxvillerealestate #lakelife #farmhouse
Presentation is everything in real estate
pamellasellshomes
There’s a strategy going around right now that sounds too good to be true. Buy a house. Live in it for a year or two. Buy another one, move in, and rent out the first. Repeat that five times over ten years and you’re supposedly a millionaire with your rentals paying for your own home.
I want to give you the honest version, because the viral version skips the part that actually matters.
The strategy is real. It’s called house hacking, and it works. FHA and VA loans let owner-occupant buyers put down as little as 3.5%, far less than an investor would need for the same property. Live in it for the required occupancy period, usually about a year, then move out, rent it, and use the equity to help qualify for the next one.
Here’s what changed. In 2021, this worked almost by accident because prices were rising fast and rates sat near 3%. Today, rates sit closer to 6.5% and prices haven’t pulled back to match. The math has to be run for real now, not assumed.
Here’s what I tell buyers actually considering this path.
1. Run the numbers on rental income before you fall in love with the house. The rent has to realistically cover most or all of the mortgage, or the plan doesn’t work.
2. Multi-unit properties, duplexes, triplexes, fourplexes, make this dramatically easier than trying to rent out a spare bedroom in a single family home.
3. Budget for vacancy and repairs. A house hack is still landlording. Something breaks. A tenant leaves. Plan for both before you sign anything.
4. Treat the first purchase as a long-term housing decision first and an investment second. The buyers who succeed at this are the ones who would still be happy living there even if the investment math changed.
This isn’t a guaranteed path to becoming a millionaire in ten years. It’s a legitimate strategy that rewards buyers who run real numbers instead of chasing a trend.
DM me if you want to talk through whether your first home could work as a house hack. I’ll run the actual numbers with you.
pamellasellshomes
Some homes have one standout feature.
This one had me saying, “Okay... what’s next?” 🤍
From the soaring ceilings and elegant winding staircase to the statement fireplace and move-in-ready design, every space at 10632 Lakecove Way feels intentional, timeless, and inviting.
And the lifestyle is just as impressive. Located in a gated community near the Tennessee River, you’re only minutes from marinas, shopping, restaurants, and everything you need for everyday living.
So, which feature completely sold you?
👇 Tell us your favorite in the comments!
📍10632 Lakecove Way | Knoxville, TN
Pamella Haynes • @pamellasellshomes
Pamella Property Advisors | Realty Executives Associates
📲 865.355.0955 • 865.588.3232
The winding staircase 🤍
An elegant focal point that instantly elevates the home’s design and creates a grand first impression.
Those soaring two-story ceilings in the living room ✨
The volume of this space makes the entire home feel brighter, larger, and more luxurious.
The statement fireplace 🔥
The heart of the home. perfect for cozy evenings and gathering with family and friends.
An open-concept layout that actually works 🤝
Whether you’re hosting family, entertaining friends, or enjoying a quiet night in, every space flows effortlessly together.
This location is just difficult to beat ⛰️🌊
Enjoy the peaceful setting near the Tennessee River while staying just minutes from marinas, shopping, and restaurants.
Could you see yourself living here?
📍10632 Lakecove Way | Knoxville, TN
Comment “LAKE” or send us a DM for more information or to schedule your private tour.
pamellasellshomes
A household earning $75,000 a year, think teachers, nurses, skilled trades, can currently afford just 21% of the homes listed for sale.
Back in March of 2019, that same household could afford 49% of listings. That’s not a small shift. That’s half the market disappearing for middle-income buyers in about six years.
Zoom out further, and it gets heavier. Roughly one-third of U.S. households can afford to buy a home right now, down from nearly two-thirds just five years ago. A buyer today needs close to double the income it took to buy the same home in 2019.
Most buyers hear a stat like this and assume it’s them. It isn’t, not entirely. National numbers average thousands of local markets, loan programs, and personal financial pictures.
Your actual number is not the national number. It’s yours, and it’s worth knowing what moves it.
Here’s what actually changes a buyer’s real affordability, not the headline version.
1. Debt-to-income ratio. Paying off even one car payment or reducing a credit card balance can shift how much home you qualify for by tens of thousands of dollars.
2. Down payment assistance programs. Many buyers qualify for programs that reduce the cash needed upfront, and most have never been told these exist.
3. Rate buydowns. A seller or builder covered buydown can lower your effective rate enough to change your entire budget, sometimes by a full point or more.
4. Location flexibility. Widening your search radius by even 20 minutes can put you in a completely different affordability bracket.
5. Loan type. FHA, VA, and conventional loans all calculate affordability differently. Buyers often assume they only qualify for one option when a different loan type opens up more house.
The national headline says 21%. Your personal number could be higher than that if you know which levers to pull before you start looking, not after you’ve already been discouraged by what you saw online.
Comment SEARCH, and I’ll get you a private home search built around your actual numbers, not the national average.
pamellasellshomes
If your Pinterest dream home came to life... this might be it ✨
🏡 JUST LISTED at 10632 Lakecove Way
This beautifully designed home blends timeless style with modern comfort. Built in 2018, it offers the finishes today’s buyers love - so you can skip the renovations and start enjoying your new home from day one.
Step inside to an open-concept layout with soaring two-story ceilings, stunning wood beams, and a statement fireplace that anchors the heart of the home. Every space feels warm, inviting, and thoughtfully designed.
Located in a gated community on Fort Loudoun Lake along the Tennessee River, you’ll enjoy the best of both worlds - boat ramps and marinas just minutes away, with shopping, dining, and everyday conveniences only five minutes in the other direction.
📍10632 Lakecove Way | Knoxville, TN
🛌 4 Beds • 🛁 3 Baths • 📐 3,513 SqFt
Comment or DM ‘LAKE’ and we’ll share all the details!
Ready to see it in person? Send us a DM to schedule your private showing or request more information.
Pamella Haynes • @pamellasellshomes
Pamella Property Advisors | Realty Executives Associates
📲 865.355.0955
#luxuryliving #tennesseeriver #knoxvillerealestate #justlisted #pinteresthome
@debonibrinkhaus Thank you! ☺️
pamellasellshomes
If you’re a seller trying to decide how to sweeten a deal right now, I want you to see the actual math before you default to cutting your price.
Let’s use a real example. A $500,000 home, buyer putting 10% down, financing $450,000 at today’s rate near 6.5%. That buyer’s payment sits around $2,844 a month before taxes and insurance.
Now here are the two moves I see sellers make.
Move one. Cut the price by $20,000. New price is $480,000. Same 10% down, so the loan drops to $432,000. That buyer’s payment falls to about $2,731 a month. Over the life of the loan, they save roughly $22,958 in interest. That’s real money.
It’s just not the biggest number on the table.
Move two. Keep the price exactly where it is and give that same $20,000 as a permanent rate buydown instead. Using standard point pricing, $20,000 on a $450,000 loan buys the rate down to around 5.4%.
That buyer’s payment drops to about $2,524 a month, more than the price cut delivered. And the interest savings over 30 years comes out to roughly $115,394.
Same $20,000. Five times the savings. The buyer feels it every single month in a lower payment, and feels it again decades from now in total interest paid.
Here’s why most sellers still cut price instead. It feels simpler. It feels like something buyers immediately understand. A rate buydown requires a conversation, a lender who can run the numbers, and a seller willing to think past the sticker price on the listing.
But if your goal is getting your home under contract with a buyer who feels like they got a real win, the buydown does more with the same dollar. It solves the payment problem buyers are actually stuck on in this rate environment, not just the number on the sign.
Before you agree to your next price reduction, ask your agent to run both numbers side by side. The difference might change your entire strategy.
Comment VALUE and I’ll pull the real numbers for your home and walk you through which concession makes sense.
pamellasellshomes
What if your perfect East Tennessee home is in this video? 🏡
This weekend is your chance to step inside some incredible homes and experience what makes each one unique. From beautiful interiors to desirable neighborhoods, you never know which property might feel like home until you walk through the front door.
✨ Watch the reel for this weekend’s Open House lineup, then plan your tour!
📍 Open House Schedule
• 305 Dan Cir, Rockwood, TN | July 11, Saturday | 12-2pm
• 9948 Coral Springs Ln, Knoxville, TN | July 12, Sunday | 2-4pm
• 10632 Lakecove Way, Knoxville, TN | July 12, Sunday | 2-4pm
👇 Which home would you tour first? Comment the address below, or send us a DM for more information.
Save this Reel so you don’t miss this weekend’s schedule, and share it with someone who’s searching for their next home.
Pamella Haynes • @pamellasellshomes
Pamella Property Advisors | Realty Executives Associates
📲 865.355.0955 | 865.588.3232
pamellasellshomes
What if your perfect home in East Tennessee is hiding in this carousel? 🏡✨
Swipe through to discover this weekend’s Open Houses and explore homes that could be the perfect fit for your next chapter. Whether you’re searching for more space, a different neighborhood, or your forever home, there’s no better way to experience a property than seeing it in person.
📍 This Weekend’s Open House Schedule
• 305 Dan Circle, Rockwood, TN | July 11, Saturday | 12-2pm
• 9948 Coral Springs Ln, Knoxville, TN | July 12, Sunday | 2-4pm
• 10632 Lakecove Way, Knoxville, TN | July 12, Sunday | 2-4pm
👇 Which home are you touring first? Comment the address below or send us a DM for more details.
Save this post so you have this weekend’s Open House schedule handy, and share it with someone who’s house hunting!
#EastTennesseeRealEstate #KnoxvilleRealEstate #OpenHouseWeekend #HouseHunting #openhouse
pamellasellshomes
The best homes are the ones filled with love… and maybe a wagging tail or purring welcome. 🐱🐾🐶 #knoxvillerealestate #morewaglessbark #homeiswheretheheartis
"Pamella was a true professional from start to finish. She spends a lot of time, money, and effort to ensure your home is marketed to the masses.
I highly recommend Pamella to anyone that is selling or buying a home."
"I had the pleasure of working with Pamella Haynes as my realtor, and I couldn't be more satisfied with the experience. Pamella demonstrated exceptional knowledge and was incredibly kind and attentive to our needs throughout the entire process. What stood out the most was her impressive ability to respond immediately, ensuring that no question or concern ever… Read MoreRead Less
"Formidable Secret Agent. Pamela Haynes & Team are capable, resourceful and proactive. Selling my home was a challenge, which they accomplished on time. I refer to Pamela as my "Secret Agent". She exceeded my expectations."
"Smooth sailing from first look to closing. Pamella was our fairy godmother when it came to buying a home in East TN. As newcomers to the area, working with an agent who is so knowledgeable about the market, as well as our new town, was invaluable. From our first look, working with the seller, to final closing, Pamella and her team made the whole process prac… Read MoreRead Less
"She’s a doll. Pamella very professional and so nice! We were referred to Pamella by another Disney Agent of Excellence from out of state, so we knew we would get great service. We wanted a new build and Pamella had good experiences with our builder, Healy Built Homes. Knowing we could trust our builder was a huge relief when we were out of state during cons… Read MoreRead Less
"Pamella is phenomal! She made our process so easy and got us everything we wanted in our home!"
"Exceptional Service and Communication. Pamella was excellent to work with and I would highly recommend for all your real estate needs. She went vice and beyond to get us the home of our dreams."
"Sarah Corrigan was our agent for the house we bought recently and was absolutely fantastic! We had a complex buying situation (not to mention the pandemic, and the crazy Knoxville market) but she made the process absolutely seamless. We've dealt with real estate agents several times in the area and this was by far our best experience. Sara was so professiona… Read MoreRead Less
"Pamella was a true professional from start to finish. She spends a lot of time, money, and effort to ensure your home is marketed to the masses.
I highly recommend Pamella to anyone that is selling or buying a home."
"I had the pleasure of working with Pamella Haynes as my realtor, and I couldn't be more satisfied with the experience. Pamella demonstrated exceptional knowledge and was incredibly kind and attentive to our needs throughout the entire process. What stood out the most was her impressive ability to re… Read MoreRead Less
"Formidable Secret Agent. Pamela Haynes & Team are capable, resourceful and proactive. Selling my home was a challenge, which they accomplished on time. I refer to Pamela as my "Secret Agent". She exceeded my expectations."
"Smooth sailing from first look to closing. Pamella was our fairy godmother when it came to buying a home in East TN. As newcomers to the area, working with an agent who is so knowledgeable about the market, as well as our new town, was invaluable. From our first look, working with the seller, to fin… Read MoreRead Less
"She’s a doll. Pamella very professional and so nice! We were referred to Pamella by another Disney Agent of Excellence from out of state, so we knew we would get great service. We wanted a new build and Pamella had good experiences with our builder, Healy Built Homes. Knowing we could trust our bui… Read MoreRead Less
"Pamella is phenomal! She made our process so easy and got us everything we wanted in our home!"
"Exceptional Service and Communication. Pamella was excellent to work with and I would highly recommend for all your real estate needs. She went vice and beyond to get us the home of our dreams."
"Sarah Corrigan was our agent for the house we bought recently and was absolutely fantastic! We had a complex buying situation (not to mention the pandemic, and the crazy Knoxville market) but she made the process absolutely seamless. We've dealt with real estate agents several times in the area and … Read MoreRead Less
FREQUENTLY ASKED QUESTIONS
How do I know if it's better to buy in Farragut or Hardin Valley?
Both communities offer excellent quality of life, but they appeal to different buyers. Farragut is known for established neighborhoods and convenient shopping, while Hardin Valley continues to attract buyers looking for newer homes and growing communities. Pamella Property Advisors helps buyers compare each area based on their daily routine, future plans, and lifestyle.
I'm buying my first home. How can I tell if I've found the right one?
The right home should fit your budget, daily needs, and long-term goals, not just look great in photos. It's important to think beyond finishes and consider location, layout, and resale potential. Pamella Property Advisors helps first-time buyers make confident decisions they can feel good about for years to come.
I'm going through a divorce. Should I wait before looking for my next home?
Every situation is different, and your timeline should reflect both your personal circumstances and your housing needs. Many buyers begin exploring options early so they understand what's available before making a move. Pamella Property Advisors provides thoughtful guidance that respects both the emotional and practical sides of the transition.
What makes Bearden different from other Knoxville neighborhoods?
Bearden is popular for its mature neighborhoods, local restaurants, shopping, and convenient access to downtown Knoxville. Buyers often appreciate its established feel and variety of home styles. Pamella Property Advisors helps clients determine whether Bearden fits the lifestyle they're looking for.
What should I know before moving to Loudon or Lenoir City?
Both communities offer a slower pace, scenic surroundings, and easy access to outdoor recreation while remaining within reach of Knoxville. The right fit depends on your preferred lifestyle, commute, and neighborhood preferences. Pamella Property Advisors helps buyers compare these communities with confidence.
I'm relocating to Knoxville. Where should I begin my home search?
Start by thinking about your commute, preferred lifestyle, and the type of neighborhood that feels like home. Areas like Northshore, Farragut, Bearden, and Hardin Valley each offer something different. Pamella Property Advisors helps relocating buyers narrow their search before they begin touring homes.