San Diego County · Temecula Valley · California
Don't move until you've seen the math.
Your biggest risks aren't finding a buyer. They're the capital gains bill, the property tax reset, and giving up a low-rate mortgage. Before you sign anything, we build you a free written Move Math Plan: your net proceeds, your tax exposure, your Prop 19 options, and what your loan is really worth. From a 21-year broker who was a corporate banking officer first.
Free. No listing obligation. And every listing we take is cancel-anytime, no fee, before an accepted offer.
Move Math Plan
SampleIllustrative sample. Every plan is built from your actual numbers and prepared for review with your tax professional.
21 years
licensed, zero disciplinary actions, CA DRE #01469393
$100M+
closed in real estate, both sides of the table
Banker first
former corporate banking officer and financial analyst
Broker-owned
sales and property management under one roof, DRE #02066002
Case file · The 500-mile listing
A big brokerage couldn't sell it. We closed it from 500 miles away.
The owners listed with a national brand and sat. When they brought it to us, we rebuilt the numbers, repriced it on the math, and ran the sale remotely from 500 miles away in Danville, CA: relisted in May, sold in July, at the listed price. Distance wasn't the problem. The analysis was.
"Every week we knew exactly what was happening and what the numbers said. That's the difference."
Johnny L. · SOLD DANVILLE, CA
Most agents sell houses. We engineer moves.
Every engagement starts with the plan, delivered in writing within five business days. Then we execute it.
Step 1
Equity Audit
What you actually own: value, debt, basis, and what a sale nets after every cost.
Step 2
Tax & Prop 19 Map
Capital gains exposure and property tax options, prepared for your CPA's review.
Step 3
Rate Strategy
Is your low-rate loan assumable, and what is it worth to a buyer? What replaces it?
Step 4
Keep or Sell
Selling compared honestly against renting it out, with management handled by us.
Step 5
Execution Plan
Dates, dollar figures, and who does what. Then we do it, and report weekly.
Your broker
Jay Montenegro
Broker & owner · CA DRE #01469393 · Licensed since 2004
Before real estate, Jay was a corporate banking officer and financial analyst. He built the Move Math Plan so every client sees their move the way a bank would see it: in verified numbers, before any decision. Twenty-one years licensed, zero disciplinary actions, a top 1% agent, and a brokerage that manages properties as well as it sells them.
A respected community leader, Jay has served as a Mayor-appointed City Commissioner and as Area Governor at Toastmasters.
2022 Readers Poll finalist
The team
One accountable principal, backed by a world-class team.
Every plan is prepared and presented by the broker, supported by a world-class team behind every transaction. Sales and property management run under the same roof, so the analysis and the execution never get handed off to a stranger.
Selling with serious equity
Owned for 10+ years? Your gain may be past the tax exclusion and your next property tax bill is negotiable under Prop 19. See both numbers before you list anywhere.
Start with the math.Landlords deciding what's next
Rent caps, insurance costs, tenant-occupied sales, 1031 exchanges. We manage rentals every day and we'll show you the keep-or-sell math without an agenda.
Get a keep-or-sell analysis.Buying smarter than the rate
Some listings carry assumable government loans at yesterday's rates. We know how to find them and how the takeover process actually works.
See the buyer math.Private clients & family offices
One broker. Institutional analysis. California-wide execution.
For families and family offices holding California residential assets, we act as a single accountable principal: acquisition and disposition, investment analysis built to banking standards, 1031 coordination with your advisors, and in-house property management. Broker-led, discreet, and reported the way your other managers report.
Acquire & dispose
On- and off-market, statewide
Analyze
Underwriting, keep-or-sell, 1031 paths
Manage
In-house PM with owner reporting
Request a portfolio conversation.
A 30-minute call with Jay Montenegro, broker and former corporate banking officer. Bring one asset; leave with the math on it.
Client experiences
Trusted by those who demand the best.
5.0 average across 82 verified reviewsRead them on Zillow
“Jay and his team were exceptional in the whole loan assumption process that allowed me and my wife to buy our first home.”
bhardesty23
Bought a single-family home in 2024 in Menifee, CA · 4/5/2024 · Verified 5-star review on Zillow
“Jay and the team at MGRE were fantastic in selling our Chula Vista home.”
beuxwedderburn8
Sold a single-family home in 2021 in Otay Ranch, Chula Vista, CA · 7/3/2021 · Verified 5-star review on Zillow
“We just arrived in the U.S. with absolutely no credit history and thought renting would be nearly impossible.”
jessel9999
Property managed an apartment home I rent in Carmel Valley, San Diego, CA · 7/26/2026 · Verified 5-star review on Zillow
Do the math first.
The plan is free, it's yours to keep, and some people who get it decide not to sell. That's the point.
or call (858) 434-8008