- MLS listing facts require independent confirmation
- Permits, title, insurance and financing are property-specific
- Source links are informational, not endorsements
Check title, HOA and coastal rules for the actual parcel
Coastal property may require separate review of development permits for additions, exterior alterations and redevelopment plans. The applicable coastal permit process depends on the location and project; do not infer that an ocean-adjacent fixer can be rebuilt at the same scale as a neighbor. Request title and historic permit records, seller disclosures, property-specific insurance quotes and inspections relating to water intrusion, roofing, drainage and any structures near the shore. An HOA's approval and local government permissions are different sources. If a listing markets a secondary rentable space, ask for its approved use before applying any projected income calculation. Work from a written request list tied to the specific parcel. Separate records supplied by the seller, records confirmed by the relevant public agency, and items that need an independent professional. Photographs, public maps, HOA summaries and lender estimates have different scopes; none should be used as substitutes for another. File the original documents and their dates so subsequent changes can be evaluated accurately.
Compare a live property as a residence before assuming income
Prepare two financial worksheets: a conservative owner-occupant budget using actual taxes, HOA and insurance, and a separate rental feasibility analysis only if licenses and lawful uses can be verified. Include management, repairs and vacancy assumptions, and do not call projected revenue guaranteed. For buyers using VA financing, check occupancy requirements and the legal property structure with a qualified lender rather than relying on an investor-style marketing claim. Use property-specific documents and an experienced local professional to understand the exact restrictions before contract deadlines. The live San Diego MLS feed below is only the starting shortlist. Before releasing contract contingencies, ask the agent and lender which unresolved items matter for this transaction, obtain the pertinent original documents, and write down the next responsible professional for each open question. A listing-site estimate is only a planning input, not an appraisal, inspection or underwriting decision. Verify changes to availability, price and status through the licensed MLS feed at the time of the offer.