AI Field Guide for Florida Agents

Most agents who try AI hit the same reef: it writes “family-friendly” or “only $2,400 a month” and the agent posts it.

Both of those can get you in trouble. This guide is your chart around them. You do not need to be a tech person. If you can copy and paste, you can do everything here.

Your route

0Before You Leave the DockSet up Claude in 10 minutes
1Know the WaterWhat AI can and can’t do
2File a Float PlanHow to ask so it gets it right
3Load the FactsThe Property Fact Sheet
4The Two ReefsFair Housing and financing
5Check Before You PostThe 3-step check
6The Tackle BoxCopy-and-paste prompts
7Your First WeekOne small win a day

0 Before You Leave the Dock

Set up Claude in 10 minutes

In plain English: Claude is an AI assistant you type to, like texting a very fast writer. You tell it what you need, it writes a draft, and you check it before anyone sees it.

What is Claude?

Claude is an AI assistant made by a company called Anthropic. It works a lot like ChatGPT. You type a request in plain words, and it writes back. It can draft a listing description, a social post, a follow-up text, or a weekly update for your seller. There is a free version, so you can try everything in this guide at no cost.

Get set up

1
Make an account. Go to claude.ai and sign up with your email. The free plan is fine to start.
2
Create a Project. Look in the left menu for Projects and start a new one. Name it something like “My Listings.” A Project is a folder that remembers your rules, so you don’t have to repeat them in every chat.
3
Add your 3 starter files. Copy the three templates below. In your Project, find the place for instructions or files and paste them in. Fill in the parts in (parentheses) with your own details.
4
Start a chat inside the Project. Now every request you make will follow your rules automatically.

Captain’s Tip: Don’t see Projects on your plan? No problem. Paste your No-Go Rules at the top of each new chat before your request. Same result, one extra paste.

Your 3 starter files

Think of these as the paperwork you keep on board. You write them once and Claude reads them every time.

Starter file 1 of 3

About My Business

Tells Claude who you are, so it never has to guess.

About My Business

ABOUT MY BUSINESS
My name: (your name)
My brokerage: (brokerage name)
Where I sell: (your towns or counties)
What I mostly sell: (example: waterfront homes, condos, vacant land)
Disclosures my broker requires on every ad: (paste them exactly)
How I like to be contacted: (phone, email)

Starter file 2 of 3

My Writing Voice

So the drafts sound like you, not like every other agent.

My Writing Voice

MY WRITING VOICE
Here are two things I wrote that sound like me:
1. (paste a listing description or post you liked)
2. (paste another one)
Words and phrases I never use: (example: "nestled," "boasts," "dream home")
How long I like my posts: (example: short, 3 to 5 sentences)

Starter file 3 of 3 · the most important one

No-Go Rules

The list of things Claude is never allowed to write. It is the reason you can trust a draft. You’ll build it in Leg 4, and it takes about 2 minutes because the rules are already written for you.

Words you’ll see in this guide

Prompt: The request you type to Claude. “Write a listing description for 123 Main St” is a prompt.
Chat: One conversation with Claude. Start a new chat for each new job.
Project: A folder in Claude that holds your starter files, so every chat inside it follows your rules.
No-Go Rules: Your list of things Claude must never write. The guide gives you the wording.
Property Fact Sheet: A short list of verified facts about one listing, each with where it came from.
Draft: What Claude writes. It is never final until you have checked it.

1 Know the Water

Claude writes. You’re still the captain.

In plain English: Claude is a fast first-draft writer, not a fact-checker. It doesn’t know your listing unless you tell it, and the license on the line is yours.

Rule 1

It only knows what you tell it

Claude can’t see the MLS or county records. If you didn’t give it a fact, anything it writes about that fact is a guess.

Rule 2

It sounds sure, even when it’s wrong

A confident sentence is not a true one. Check flood zone, year built, and dock details against the paperwork every time.

Rule 3

The license is yours

If an ad breaks a rule, “the AI wrote it” is not a defense. You read it, you post it, you own it.

Good jobs for Claude	Jobs to keep for yourself
First drafts of listing descriptions from your facts	Setting a price
Turning one post into a Facebook, Instagram, and email version	The final yes on anything that gets posted
Pulling the dates out of a contract you paste in	Deciding what a contract or HOA rule means
Drafting a follow-up text after a showing	Any payment, rate, or down payment number
A weekly update for your seller	Hitting send

2 File a Float Plan

Five lines before you ask

In plain English: Before a boater leaves the dock, they file a float plan: where they’re going and when they’ll be back. Before you ask Claude for something, write five short lines that say exactly what you want.

Here’s why. A vague request makes Claude fill in the blanks itself, and that’s where the made-up details come from.

This is what most people type

Vague request

Write a great description for my waterfront listing.

Claude has no idea about the dock, the flood zone, the bridges, or your style, so it invents them. Then you spend twenty minutes fixing it.

The Float Plan: fill in these five lines instead

1. What I need

What you want and who will read it.

2. Use only these facts

Paste your Property Fact Sheet.

3. Never do this

“Follow my No-Go Rules.”

4. How it should look

Length and style.

5. Show your work

Ask it to list where each fact came from.

Float Plan example

1. WHAT I NEED: A listing description for 123 Example Lane that buyers will read on their phone.
2. USE ONLY THESE FACTS: (paste your Property Fact Sheet here)
3. NEVER DO THIS: Follow my No-Go Rules. Don't add anything that isn't in the facts.
4. HOW IT SHOULD LOOK: About 150 words, in my writing voice.
5. SHOW YOUR WORK: At the end, list each fact you used and where it came from.

Captain’s Tip: Don’t like the draft? Don’t start over. Tell Claude one thing to fix at a time: “Keep everything, but make the first sentence shorter.” Small fixes work better than big ones.

3 Load the Facts

The Property Fact Sheet

In plain English: Make a short list of facts about the listing, and write down where each fact came from. Claude writes only from this list, so nothing gets made up.

On the water, the details that sell a home are the same details that can blow up a closing. A buyer who was told “not in a flood zone” and then gets a flood insurance quote is not a happy buyer. Fill this out once per listing.

Property Fact Sheet

PROPERTY FACT SHEET
Address:
Where these facts came from: (MLS sheet, survey, seller disclosure, elevation certificate, with dates)
Bedrooms / baths / square feet:
Year built and big updates: (roof year, windows, impact glass)
Flood zone: (the zone letter and where you got it)
Elevation certificate available? (yes or no)
Wind mitigation report available? (yes or no)
Waterfront details: (canal or open water, seawall, dock, and where you got it)
Condo or HOA rules: (rentals allowed? pets? where you got it)
NOT CONFIRMED YET: (anything you're unsure about goes here)

Shallow Water: The last line is the most important one. Anything under “Not confirmed yet” can never be written as a fact. A blank that stays blank is safer than a blank Claude fills in for you.

Six claims that sink coastal listings

If you can’t point to a document that proves it, leave it out.

Don’t write	Why it’s risky	Write this instead
“Not in a flood zone”	Every property is in some flood zone, and lenders check the current map.	“Flood zone X per the current FEMA map.”
“Low insurance”	Every buyer’s quote is different.	Leave it out. Buyers get their own quotes.
“Deep water”	Depth changes with the tide, and buyers buy boats based on it.	“Buyer to verify water depth.”
“No fixed bridges”	One wrong bridge ruins a sailboat owner’s plan.	“Buyer to verify route to open water.”
“Great rental income”	Rental rules change by town and HOA.	The written rental rule, and where it came from.
“Hurricane proof”	Nothing is.	“Impact windows, 2021 roof.” (the real features)

Before

“Deep water sailboat paradise, no bridges, low insurance, perfect for your family!”

Four claims nobody can prove, plus a Fair Housing problem.

After

“Canal-front home with a 60-foot concrete seawall (2019 permit). Flood zone AE per the current FEMA map, elevation certificate available. Buyer to verify water depth and route to open water.”

Every fact can be checked.

4 The Two Reefs

Build your No-Go Rules

In plain English: There are two places where AI writing gets agents in trouble. One is Fair Housing. The other is putting money numbers in your ads. Copy the two rule sets below into your No-Go Rules file, and Claude will steer around both.

Reef A: Fair Housing

The short version: describe the home, never the people who should live there.

AI loves phrases like “perfect for a growing family” or “great for retirees.” They sound friendly, but they can suggest you prefer some buyers over others, and that’s a Fair Housing problem.

Phrases that should stop you:

“family-friendly”“perfect for retirees”“exclusive community”“safe neighborhood”“great schools”“walking distance to church”“ideal for young professionals”

No-Go Rules, part 1: Fair Housing

NO-GO RULES: FAIR HOUSING
Describe the property, never the people who should live there.
Never mention or hint at race, color, religion, sex, national origin, family status, disability, or any other protected group.
Never say who a home is "perfect for," who would "fit in," or what the neighbors are like.
Never describe schools, neighborhoods, or safety. Point to official sources instead.
Only use facts I can prove: size, layout, condition, flood zone, dock, and distances in miles to named places.
If you're not sure about a phrase, flag it for me. Don't quietly change it.

Reef B: Money numbers in your ads

The short version: don’t put payments, down payments, or interest rates in your posts. Say “financing available” and send the money questions to your lender.

This is the reef almost nobody warns agents about. When an ad mentions a payment like “$2,400 a month” or a down payment like “just 3.5% down,” federal mortgage advertising rules kick in, and they apply to anyone who posts the ad, not just lenders. Once those words are in, the ad has to include a full set of loan details, including the APR (the yearly cost of the loan). Most social posts can’t do that correctly.

And AI will happily write those numbers if you ask for a post that makes a home “feel affordable.”

The four words-and-numbers that trigger the rules

Down payment

“3.5% down,” “only $25K down”

Loan length

“30-year fixed,” “15-year loan”

Monthly payment

“$2,400 a month,” “less than rent” with a number

Interest cost

“$1,200 in interest your first year”

Also stay away from interest rates (“rates in the 5s!”). A rate on its own isn’t allowed in an ad without the APR next to it.

Safe phrases you can use anytime

“Financing available”
“Ask about monthly payment options”
“VA, FHA, and conventional buyers welcome”

Quick swaps

Instead of this	Say this
“Own it for $2,400 a month!”	“Ask about payment options for this home.”
“Just 3.5% down!”	“Financing available. FHA buyers welcome.”
“Rates in the 5s!”	Leave it out, or ask your lender for an approved line.
“Locked-in fixed rate” (on a buydown)	“Seller is offering a rate buydown. Ask for details.”
“Cheaper than renting!”	Cut it. Talk about the home instead.

Shallow Water in the Keys: A “$2,400 a month” post leaves out flood and wind insurance, which on the water can be one of the biggest parts of the real payment. Even if the number were legal to post, it could set your buyer up for a shock at the insurance quote.

No-Go Rules, part 2: Money numbers

NO-GO RULES: MONEY NUMBERS
Never write a monthly payment, down payment, loan length, interest rate, or interest cost in anything.
If financing should be mentioned, only say: "financing available," "ask about monthly payment options," or "VA, FHA, and conventional buyers welcome."
Never use the words "fixed," "guaranteed," "pre-approved," "qualify," or "approved" when talking about financing.
Never compare owning to renting with numbers.
Never guess at insurance, flood insurance, or taxes. Only state flood zone and insurance facts from documents I give you.
If a draft needs a money number, stop and write "ASK MY LENDER" instead of the number.

For the curious: these are the federal Truth in Lending advertising rules (Regulation Z, 12 CFR 1026.24) and the Mortgage Acts and Practices Advertising Rule (Regulation N). This guide is educational, not legal advice. Your broker has the final word on your ads.

Captain’s Tip: Paste both rule sets into one file called No-Go Rules, add your broker’s required disclosures at the bottom, and save it in your Claude Project. That’s it. You just built the most important file in this guide.

5 Check Before You Post

The 3-step check

In plain English: Claude can check its own work. Before anything goes public, run these three quick checks, in this order. Each one is a prompt in the Tackle Box.

1
Fact check. Is every fact in the draft on your Property Fact Sheet? If not, cut it.
2
Fair Housing check. Does it describe the home, not the people?
3
Money check. Any payments, down payments, or rates? Swap them for safe phrases.

Shallow Water: If Claude says “no problems found,” that means it didn’t spot any. It doesn’t mean there are none. You still read it with your own eyes before you post.

When a buyer asks, “What would my payment be?”

It happens every day. Here’s the simple rule: share the facts you have paperwork for, like HOA dues and the property tax record, and hand the payment question to a licensed lender. Quoting rates or payments to a buyer can start to look like lending without a license.

Here’s a line you can use word for word:

“Great question. I want you to have the real number, with your taxes, insurance, and flood in it, not a guess from a website. Let me connect you with my lender.”

If Claude gets it wrong

What happened	Why	The fix
It made up a feature	Your fact sheet had gaps	Fill in the fact sheet. Tell it: “Use only these facts.”
It wrote a payment or “3.5% down”	No Money rules, or you asked for “affordable”	Add the No-Go Rules. Ask about features, not affordability.
It said “perfect for families”	Your request mentioned a type of buyer	Describe the home, not the buyer. Run the Fair Housing check.
It sounds like a robot	No writing voice file	Add two things you wrote to My Writing Voice.
The answer is way too long	You didn’t give a length	Say “about 100 words” or “3 sentences.”

6 The Tackle Box

Copy-and-paste prompts

In plain English: These are ready-made requests. You don’t have to write anything from scratch.

How to use any prompt in 4 steps:

Click the gold Copy button.
Open a new chat in your Claude Project.
Paste it, then replace anything in (parentheses) with your details.
Press Enter. Read the draft before you use it.

Listing description, facts only

Prompt: Listing description

Write a listing description for the home on my Property Fact Sheet. Buyers will read it on their phone.
Use only the facts on the sheet. Anything under "Not confirmed yet" can't be written as a fact. List those separately at the end so I can check them.
Follow my No-Go Rules. No payments, rates, or down payments.
Write it in my voice, about (number) words, and include my broker's required disclosures.
At the end, list each fact you used and where it came from.
Property Fact Sheet: (paste here)

Fair Housing check

Prompt: Fair Housing check

Check the draft below for Fair Housing problems.
Look for anything about who the home is for, any protected group, hints about the kind of neighbors, and descriptions of schools or neighborhoods.
For each problem, show me: the phrase, why it's risky, and a safer way to say it.
Don't rewrite the whole thing. If you're unsure about a phrase, flag it for me.
Draft: (paste here)

Money check

Prompt: Money check

Check the draft below for money numbers that could break mortgage advertising rules.
Flag any: monthly payment, down payment, loan length, interest rate, interest cost, comparison to rent, or the words "fixed," "guaranteed," "approved," "pre-approved," or "qualify."
Also flag any payment that leaves out taxes, insurance, or flood insurance.
For each one, show me: the phrase, why it's a problem, and a safe replacement with no numbers.
Don't rewrite the whole thing. If you're unsure, flag it for me.
Draft: (paste here)

9 more prompts are in the free Tackle Box download:

Fact checkFlood and insurance facts boxListing appointment prepWeekly seller updateContract dates and deadlinesCondo document questionsOne post, five platformsFollow-up text after a showingFix-it prompt for bad drafts

Get all 12 prompts free

Free download · PDF

The Tackle Box

Everything from this guide in one printable PDF, so you can keep it next to you while you work.

All 12 copy-and-paste prompts
Your 3 starter files, ready to fill in
Both No-Go Rules sets (Fair Housing and Money)
The Property Fact Sheet
A one-page “check before you post” card

7 Your First Week

One small win a day

In plain English: Don’t try to learn it all at once. About 15 minutes a day for a week, and you’ll be faster than most agents in your office.

Day 1

Make your Claude account and your Project.

Day 2

Fill in About My Business.

Day 3

Fill in My Writing Voice with two things you wrote.

Day 4

Build your No-Go Rules. Copy both rule sets, add your broker’s disclosures.

Day 5

Fill out a Property Fact Sheet for one listing.

Day 6

Write that listing’s description with the listing prompt.

Day 7

Run the 3-step check on it. Then post it.

Questions agents ask

Quick answers

Do I need to be good with technology to use this guide?

No. If you can copy and paste, you can do everything in this guide. Every prompt has a Copy button, and the setup takes about 10 minutes. Claude has a free plan, so you can try it at no cost.

What is a No-Go Rules file?

It is a short list of things Claude is never allowed to write, like phrases about who a home is perfect for, or payment and down payment numbers. You paste it into your Claude Project once, and every draft follows it automatically. The guide gives you the exact wording to copy.

Do mortgage advertising rules really apply to real estate agents?

Yes. The federal Truth in Lending advertising rules apply to anyone who advertises mortgage financing, not only lenders. If your listing or social post says a monthly payment, a down payment, a loan length, or an interest rate, it counts as a mortgage ad, and it has to include a full set of loan details. The simple fix is to say financing available and let your lender handle the numbers.

Can I put a monthly payment in my listing description?

Not safely on your own. A payment number brings in required loan disclosures, including the APR, and they have to be accurate for a real loan program on that date. On coastal property a payment number also usually leaves out flood and wind insurance. Use a phrase like ask about monthly payment options instead.

What should I say when a buyer asks what their payment would be?

Share the facts you have paperwork for, like HOA dues and the property tax record, and connect them with a licensed lender for the payment. Quoting rates or payments to a specific buyer can start to look like lending without a license. A simple line works: I want you to have the real number, with taxes, insurance, and flood in it, so let me connect you with my lender.

The Edge Behind Every Coastal Closing

Your copy is in safe water. Now get your buyers the real number.

When a buyer asks what the payment really is, with flood and wind insurance in it, send them to someone who prices coastal Florida every day.

Let’s Find a Time Meet Marina Vale Realtor Partners

This guide is educational and is not legal advice. Confirm Fair Housing, advertising, and disclosure requirements with your broker before you publish. Claude is a product of Anthropic; The Mortgage Dock is not affiliated with Anthropic. Features and plans change, so check Claude’s own help pages if a step looks different. Nothing on this page is a commitment to lend or an offer of credit.