Invest in property
Multifamily 2-4 units, house hacking, ADU value-add, and portfolio scaling — the three-legged approach that lets you find undervalued property, force appreciation, and reinvest the equity into the next acquisition.
Who this lane is for
From a first house-hack to a fifth-property portfolio shuffle — same playbook, same finance-first lens.
Your first acquisition doesn't have to be intimidating. House hacking a duplex or buying an ADU-ready primary residence are the most forgiving on-ramps in San Diego — Agustin walks you through it the first time so the second one's easy.
2-4 unit properties across South Bay, Chula Vista, National City, and broader San Diego County. Sourcing, financing structure (FHA owner-occupied, conventional, DSCR), and portfolio sequencing toward your unit-count goal.
Garage conversions, ADU additions, and properties where the layout reconfiguration is the play. Agustin runs the cost-vs-uplift math with a construction lens before you write the offer, not after.
Selling one investment property and rolling into a better one — without taking the capital-gains hit. The Strategy lane covers the framework; this lane covers the execution: identifying the replacement property and closing inside your 45/180 windows.
The differentiator
Most San Diego investors end up juggling three separate professionals: a realtor, a loan officer, and (eventually) a contractor. Agustin's lane is the three-in-one. The finance background comes from six years at Morgan Stanley and JPMorgan Chase plus Series 7, 66, and Life Insurance licenses — that's how he can speak fluently about lending structures, debt service coverage, and exit math without sending you to four different professionals to get one coherent answer.
The construction lens shows up in two places: every property gets evaluated for layout-reconfiguration and ADU upside before you tour it, and his network of contractors and lenders is calibrated for the value-add math — so the bid and the appraisal don't surprise you. The real estate piece — buyer representation, deal sourcing, and negotiation across San Diego County — is the lane he's licensed in (DRE #02242952, First Class Real Estate).
The phrase his clients use is "real-life Monopoly" — find an undervalued property, force appreciation, leverage the new equity into the next acquisition, repeat. That game is a lot easier with a guide who already knows all three boards. Full credentials and lane breakdown: About Agustin.
Investor plays
Buy a duplex / triplex / fourplex with an owner-occupant loan (FHA 3.5% down, VA 0% down, or conventional 5%). Live in one unit, rent the others — offset your mortgage from day one and build equity. Full guide →
A primary residence or small multi with garage-conversion or new ADU upside. Build the unit, force appreciation, and add a rent stream — often the highest-leverage move available to first-time investors in California. Full guide →
2-4 unit acquisitions sequenced for cash flow and DSCR. Once you exit the first owner-occupant loan, the second and third acquisitions ladder up — Agustin's lending network is calibrated for this exact path. More on multifamily →
Strategies in play
Reminder: Agustin sketches the picture, your CPA confirms the math. Nothing here is tax advice.
Related lanes
The Buy a home lane overlaps significantly — your first investment property is often also your primary residence (that's the whole point of a house hack). And every active investor eventually lives inside the Strategy & Tax lane: 1031 exchanges, Section 121 timing on the live-in, and Prop 19 context. Don't choose between them — they reinforce each other.
Free investor strategy call · Bilingual · DRE #02242952 · First Class Real Estate
