Buyers & investors
Buy the right property. Know the math before you commit.
A purchase is more than a price and an interest rate. We help buyers and investors evaluate the complete move: financing, monthly cost, reserves, property risk, negotiating position and the eventual exit. Led by a broker and former corporate banking officer serving San Diego County, Temecula Valley and select California opportunities.
What your Buy Math Plan covers
Six numbers that decide whether a purchase works.
True Monthly Cost
Principal, interest, taxes, insurance, HOA costs and realistic ownership expenses.
Rate and Loan Strategy
Conventional financing, available government programs and legitimately assumable financing when applicable.
Cash and Reserves
Down payment, closing costs, repairs, reserves and post-closing liquidity.
Offer and Contingency Strategy
Price, terms, inspections, appraisal, financing and deadlines analyzed together.
Resale and Rental Exit
Consider likely resale, leasing and property-management implications before purchasing.
Execution Timeline
Clear milestones, deposit deadlines, lending coordination and weekly reporting.
Choose your purchase path
Four ways clients buy with us.
Primary Residence
Define the right property, payment and negotiating position before emotion takes over. We coordinate the offer, financing milestones, inspections and closing around the plan.
Relocation
Local-market guidance, remote property review and a clear milestone plan for clients moving into San Diego County or Temecula Valley.
Investment Property
Evaluate cash requirements, projected operating costs, rental strategy, management needs and exit paths with assumptions clearly identified.
Projections are estimates based on stated assumptions, not guarantees of income, expenses, occupancy or returns.
New Construction
Builder representation focused on timelines, deposits, options, inspections, lending coordination and the resale implications of the final purchase.
A builder's on-site sales representatives work for the builder. We represent you.
Assumable financing
Some properties may carry financing worth examining.
Certain government-backed loans may be assumable when the borrower, property and buyer meet the applicable requirements. We help identify potential opportunities and coordinate with the appropriate loan servicer and licensed lending professionals. Availability and approval are never guaranteed.
Private and off-market opportunities
A broader opportunity set, handled discreetly.
For qualified clients, we evaluate on-market opportunities and legally available private or off-market opportunities through our California relationships. Availability is never implied or guaranteed.
The buyer process
Five steps, in writing, before the deposit.
Step 1
Goals and financial boundaries
What you want, what you can commit, and the payment and reserve limits the plan has to respect.
Step 2
Market and opportunity analysis
Submarkets, inventory, pricing behavior and where your criteria actually compete.
Step 3
Property underwriting
The full carrying cost, condition risk, rental and resale picture for each candidate.
Step 4
Offer and contingency execution
Price, terms, inspections, appraisal, financing and every deadline managed together.
Step 5
Closing and long-term property plan
Funding, closing, and what happens after: leasing, management or the eventual exit.
A Buy Math Plan is an informational analysis prepared for review with your own lender, CPA and attorney. We are not a lender and do not provide tax, legal or lending advice.
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
“We are so grateful to Jay Montenegro and his team for helping us find our first home, especially in this difficult market.”
rlhernan515
Bought a townhouse home in 2021 in Rancho San Diego, El Cajon, CA · 5/3/2021 · Verified 5-star review on Zillow
“Jay and his team did a fantastic job with assisting us in purchasing our townhome.”
Janice Aquino
Bought a home in 2023 in Otay Ranch, Chula Vista, CA · 1/19/2023 · Verified 5-star review on Zillow
Do the math first.
Bring us one property, or none at all. You'll leave with the numbers either way.
or call (858) 434-8008