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Home Buying in 92109 : Real Estate Advice

  • All48
  • Local Info1
  • Home Buying23
  • Home Selling1
  • Market Conditions0

Activity 20
Sun Jul 3, 2016
I think that you are closing the barn door after the horses are out running in the field.
0 votes 2 answers Share Flag
Tue Mar 8, 2016
Karen Peyton answered:
Without knowing your current pay structure, it's difficult to say.
If you work on commission, then you should earn a commission.
If you are paid a salary plus a bonus, then a small bonus might kick in.
If you are salaried, then it's just part of the job.

Whichever of these it is, speak up if you feel you are being treated unfairly.
Just as you found this broker...there are others!
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0 votes 1 answer Share Flag
Sun Feb 22, 2015
Terry Bell answered:
Most information from Trulia is uploaded from the MLS and the MLS uploads from tax records. If there are home improvements done without permits, then it doesn't reach the tax records. It is always important to check out the reasons for discrepancies on this types of conflict, as it should be disclosed to buyers whether work was done with permits. ... more
0 votes 3 answers Share Flag
Thu Jul 4, 2013
Jay Becker Sotheby's answered:
Thu Jul 4, 2013
Jay Becker Sotheby's answered:
Check Crime stats at and School Stats at because in many cases in coastal SD you get what you pay for and the condos are priced accordingly.

Jay Becker - Senior Real Estate Consultant
Lux-RE-Homes / Ocean View Realty -
Office: 858.222.4321x7 | Mobile: 858.335.4235
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0 votes 15 answers Share Flag
Thu Jul 4, 2013
Jay Becker Sotheby's answered:
Best to secure coverage as most HOA's only offer 'limited' insurance, if any with their HOA fee.
0 votes 7 answers Share Flag
Tue Mar 19, 2013
I think you answered that, because all of the agencies FNMA, Freddie and FHA will stop lending on the association if the the number of rentals goes too high. This will then destroy your resale value. ... more
0 votes 11 answers Share Flag
Mon Feb 25, 2013
Michele Kole answered:
Your realtor has a better chance of negotiating with the 2nd to be satisfied with the $8,500. Where is the incentive for the seller to contribute - even if he could - and walk with only $500?

Besides, nobody wants to be sued for convincing a seller to pay and later have a lawsuit claiming the seller was forced to pay for the deficiency. The new law is meant to prevent this situation.

If you really want the property the agents or buyer could pay toward the 2nd; just not the seller.

I agree with Harold - look at some other properties.

Best wishes with your negotiations.

Michele Kole
Senior Loan Officer
Land Home Financial
7670 Opportunity Road, Suite 165, San Diego, CA 92111
Office: 858-634-1208 Cell: 858-344-5998
NMLS/CA-DOC# 248631
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0 votes 8 answers Share Flag
Mon Feb 25, 2013
Michele Kole answered:
Typical is 51%; however, many lenders are stricter based on the buyer's file. It may be a simple matter to make some adjustments in your file that would allow you a much better loan; or you need a new lender.

It sounds like you would like to be pre-approved for a loan which allows for a lower occupancy ratio as condos in a vacation rental area will be about impossible to find at 71% owner occupancy. You can ask your current lender as to why they have stiffer occupancy requirements or check with other lenders.

I have worked with many investors over the years and in a short conversation I can determine whether your file needs some adjusting, whether it can be done, or you need a new lender.

Please feel free to call or email.

Warm Regards,

Michele Kole
Senior Loan Officer
Land Home Financial
7670 Opportunity Road, Suite 165, San Diego, CA 92111
Office: 858-634-1208 Cell: 858-344-5998
NMLS/CA-DOC# 248631
... more
0 votes 8 answers Share Flag
Tue Aug 7, 2012
Cliff Amasol Lopez answered:
I will be available to see the property on Sat, 11 Aug 2012 in afternoon before placing a bid. Thank you.
0 votes 10 answers Share Flag
Tue Sep 27, 2011
Barry Shapiro answered:
Check out: and/or for 92109 SAN DIEGO lodging. Murphys is located in the central Sierra Nevada foothills between Lake Tahoe and Yosemite National Park, in Calaveras County, California >>> ... more
0 votes 1 answer Share Flag
Wed Jun 8, 2011
Dawn Lewis answered:

This link will show you condos in 92109. There are some under 200k. This is a great beach community of San Diego and I live 5 minutes away from most of these condos. If you are serious about buying one in 92109 give me a call. Dawn Lewis 619-981-3917[]=&zip_code=92109&miles=3&clear_adv=&advanced_redirect=&show_advanced=1&feature_ids[]=120228&sub_div=&mls_number=&list_agents_code=&list_office_code=&elem_school=&mid_school=&high_school=&address=92109&locate_address=&order=price_asc
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0 votes 3 answers Share Flag
Sun Apr 17, 2011
Ryan Michael Romero answered:
Everyone seems to be an expert on anything that is in the subject matter. With rates in the mid 4%'s and property going for the prices 10 years ago if not cheaper in some cases. You would be crazy not to buy or want to. It is more cheaper than rent and with rents in San Diego on the incline.

Ryan Michael ROMERO
Ryan Michael & Associates
P 619 884 9116
F 888 308 7775
CA DRE 01810267
NMLS 333803
REALTOR® 1965810
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0 votes 20 answers Share Flag
Wed Mar 16, 2011
Robert T. Boyer, Ph.d. answered:
I would absolutely _avoid_ condos. Everytime I run the numbers, on nearly every condo, the HOA dues kill the deal. Yes, there may be some that work, but all in all, the single family homes are going to avoid that problem. And, generally, there is no real limit on what the HOA can charge.

In fact, the cashflow problem gets worse when you are in states that do not put a cap on the increases in property tax rates. That is, in CA, we have Prop 13, which limits property taxes to 2% / yr, regardless of how much the property value might increase. However, I got burned in AL with properties that once made sense, and then the property taxes quadrupled, making cash flow properties into net neutral properties (of course, the insurance increased by 10x - which also hammered the cashflow).

So, when looking for the long term hold - the volatility of the taxes and other expenses should be considered.

Robert T. Boyer, Ph.D co-founder
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0 votes 23 answers Share Flag
Sat Mar 12, 2011
Lucia Islas-Villanueva answered:
It is subject to the area, I recommend you watch the market in that particular zip code. Some areas in south bay San Diego are decreasing. As demand decreases (and it has per the San Diego Association of Realtors & Mortgage News Daily reports) and inventory increases, those buyers willing to "stick-it-out" could benefit from a dip in sales price. Rates are still super low, therefore a WIN-WIN for buyers!

Buyers you have the potential to get more for your dollar! A decrease in listing price(s) started over two months ago in certain areas of San Diego; be ready to "pull the trigger" and have your loan conditionally approved with a direct lender!

Now that gasoline is $4.00+ per gallon, it will be interesting to see what will happen this spring/summer when sales & demand typically increase. If you are serious about buying plan ahead and have your financing ready for this summer! Good luck. I'm here to help.

Lucia Islas-Villanueva
Sr. Mortgage Banker
Point Mortgage Corp.
(619) 993-1067
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3 votes 18 answers Share Flag
Wed Feb 16, 2011
Matt Pickett answered:
Fri Dec 10, 2010
John Crowe answered:
I suggest you pick 2-3 areas that appeal to you - cities in the U.S. you have an interest in, destination points, areas friends/family recommend. Do a bit of research to identify a good agent or two in each area and ask questions. You are not obligated to buy something and a good agent will help educate on the investment pros/cons of their area.

Good luck!
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0 votes 10 answers Share Flag
Tue Oct 19, 2010
Andy answered:
Maybe real estate is one of the safest investments but are the investors can get it by the safest helpers?
0 votes 637 answers Share Flag
Fri Nov 28, 2008
Constantine K. answered:
San Diego is quite expensive compared to other cities in the US, but statistics show that it is not over priced. Actually, San Diego is one of the first cities in the US to start climbing out of the real estate slump. It's on it's way up! IT'S FINALLY TIME TO BUY!
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0 votes 13 answers Share Flag
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