Bear Team vs LPT Realty: an honest comparison for Orlando agents
LPT Realty is the fastest-growing recruiter in Florida real estate, and of all the big names, its model is the closest cousin to ours — capped costs, no royalties, E&O included. That makes this the comparison where the details matter most. Here it is honestly, using LPT's publicly documented plans.
Two philosophies that agree on a lot
Both brokerages reject the things that quietly drain agents: franchise royalties, uncapped splits, and agent-billed E&O. Where we diverge is fixed overhead and geography. LPT is a national cloud brokerage whose plans carry monthly and annual fees; Bear Team is a boutique Orlando office with zero fixed fees of any kind. Your decision mostly comes down to which trade you want.
Side by side
- Commission structure: LPT — Blueprint: 80/20 to $15K cap · Builder: $500/deal to $5K cap. Bear Team — 60/40 graduating to 90/10, $16K cap per tier.
- Monthly fees: LPT — $89/mo (Blueprint) or $149/mo (Builder). Bear Team — $0.
- Annual fee: LPT — $500/year. Bear Team — $0.
- Per-transaction costs: LPT — $195 per transaction (and post-cap). Bear Team — $150 flat per closing.
- E&O insurance: LPT — Included. Bear Team — Covered by the brokerage.
- Franchise/royalty fees: LPT — None. Bear Team — None.
- Office & support: LPT — Cloud-based, virtual support. Bear Team — Boutique Orlando office, in-person broker & training.
- Recruiting income: LPT — 7-tier revenue share (50% of company dollar) + stock awards. Bear Team — None — value is in the ladder and support.
The fixed-cost math
LPT's plans are transparent, and the fixed costs are modest by industry standards — but they're not zero. Blueprint runs $89 a month plus $500 a year, about $1,568 annually; Brokerage Builder runs $149 a month plus $500 a year, about $2,288 — owed whether you close or not, on top of $195 per transaction. Bear Team's fixed overhead is $0, and the per-closing fee is $150. At low and moderate volume, that gap is the whole difference; our fee guide shows why fixed costs matter most exactly there.
Where LPT genuinely wins
At high volume on the Brokerage Builder plan, LPT's math is legitimately strong — a 25-deal agent pays a smaller share of GCI than at almost any traditional brokerage. The seven-tier revenue share (50% of company dollar) and stock awards are real wealth-building tools for agents who recruit, and the marketing tech is well regarded. If you're high-volume, self-sufficient, and building a downline, LPT deserves your consideration — that's the honest read.
Where Bear Team wins
If you're not recruiting a downline, revenue share is worth close to zero — and then the comparison is just costs and support. Zero fixed fees beats $1,568–$2,288 a year; $150 beats $195 per file; and a cloud brokerage can't sit across the table from you when a deal wobbles. Bear Team's ladder also rewards production with a permanently better split — 70/30, 80/20, 90/10 — rather than resetting you to the same plan every year. For Orlando agents at 3–20 deals who want to grow with real support, local beats virtual.
How to actually decide
Run your last 12 months through LPT's plan sheet and Bear Team's ladder. The calculator does our side in five minutes; the full structure is on the commission page. If you're mid-decision, the 12 questions to ask any brokerage apply to both of us — and the Florida switching guide covers the move itself.
Frequently asked questions
What are LPT Realty's commission plans?
LPT offers two plans. Blueprint: an 80/20 split until you've paid $15,000 to the brokerage, then $195 per transaction, with an $89 monthly fee. Brokerage Builder: a flat $500 per transaction until you've paid $5,000, then $195 per transaction, with a $149 monthly fee. Both plans carry a $500 annual fee, include E&O, and have no franchise or royalty fees, per public comparisons current to mid-2026.
How is Bear Team's model different from LPT's?
Both are Florida-friendly, no-royalty models with capped brokerage costs and covered E&O — the philosophical overlap is real. The differences: Bear Team charges zero monthly and zero annual fees (LPT's fixed costs run roughly $1,568–$2,288 a year across its plans), a flat $150 per closing versus LPT's $195-plus-plan fees, and Bear Team is a boutique Orlando office with in-person broker access rather than a cloud brokerage.
What is LPT's revenue share program?
LPT distributes 50% of company dollars through a seven-tier revenue share program tied to agents you attract, plus stock awards in the privately held company. Like all recruiting-based income, it pays meaningfully only if you actively build a downline. If you'd rather sell than recruit, compare the brokerages on splits, fees, and support alone.
Who should choose LPT over Bear Team?
Agents who want a national cloud brokerage, plan to recruit a downline for revenue share, or want the Brokerage Builder flat-fee plan at high volume are a good fit for LPT. Agents who want zero fixed overhead, a lower flat transaction fee, and a local office where the broker knows their business tend to fit Bear Team better.
LPT figures are from public plan comparisons current to mid-2026 and can change — confirm current terms with LPT directly. Bear Team figures are our actual plan. LPT Realty is a registered trademark of its owner; this independent comparison is not affiliated with or endorsed by LPT Realty. Not financial advice.
Run both models on your production
Your last 12 months through LPT's plans and Bear Team's ladder, side by side — then talk it through with Tom. No pressure, just the math.