All Forum Posts by: Rodrigo Serzedello

 Awesome!! We are connected!

 Hey @Arelly Maldonado, I sent you an invite to connect. Im from SD as well, lets connect and I could help you in SD or out of state (Cincinatti / OH). I'm getting a 1% in return in Cinci there, I have a team of people there that I could introduce you as well.
Cheers!

Hey Allen, I’m also based in San Diego and totally get where you’re coming from.

I've tried to make BRRRR work here too but the numbers rarely hold up. With today's rates and tight appraisals, it's tough to pull out your cash without killing the cash flow.

Personally, I stopped trying to force BRRRR in SoCal and shifted to flip and sell after reno. With your structural background, that gives you a real edge—buy deeper, solve bigger problems, and cash out instead of getting stuck with a weak refi.

Out-of-state might work better for true BRRRR, but for SoCal, a strong flip strategy is way more realistic right now.

Happy to compare notes anytime.

– Rodrigo Serzedello | San Diego Investor & Real Estate Agent

hey Josh!! What market are you looking into?

Hey @Brandon Seidel, great question—and you’re definitely not alone in wrestling with this type of decision.

First off, congrats on an awesome investment. That kind of equity gain doesn’t happen by accident. Sounds like you made a smart buy at the right time in Carlsbad (and locked in that golden 3% rate—huge!).

I’m a real estate agent and investor based in San Diego, and I also own out-of-state rentals. So I totally get the emotional and financial tug-of-war you’re describing.

Here’s how I’d look at it:

1. What’s your bigger picture?

Are you in “growth mode” or “stability mode”?

• If you’re aiming to scale, that $870K in equity can be rocket fuel—especially in more cashflow-friendly markets like Texas.

• If you’re leaning toward stability and enjoying predictable passive income, then holding onto that 3% loan and appreciating asset makes total sense.

2. The opportunity cost is real

$20K/year on $870K = 2.3% return like you said.

Could you 1031 that into multiple doors in TX or the Midwest, boost cash flow 3–4x, and still ride long-term appreciation? Likely yes.

3. Your primary home upgrade

Raising a family in a home you love is worth a lot. If selling helps you do that and frees up equity for investments—you might get both lifestyle and portfolio wins.

What I might do if I were in your shoes:

Run a side-by-side 5- and 10-year forecast comparing:

1. Hold (rent, appreciation, tax benefits)

2. Sell & redeploy (new primary + 2–3 solid cashflowing assets)

Then ask: which version gets me closer to my personal AND financial goals?

Happy to help you model it out if you want to run the numbers. Either way, you’re in a great spot with options. 🙌

Cheers,

Rodrigo Serzedello
San Diego | Investor & Agent Keller Williams Delmar

@Arelly Maldonado, as a first time home you could definitely find something in SD if you get a good Lender that can help you plug the numbers. Are you looking for something in SD?

@Twana Rasoul, I met you a while ago in one of your coffee shops meetups in San Diego (I believe in Clairemont).. You do have a point! I've been investing in RE in Ohio for about 4 years, have 8 doors and inummerous headaches and issues with Prop Managements.
Althought mid-west is great for begginers (its better to have 10 properties to try and fail than only have 1 in CA and ruin all of your investments), San Diego can be a great way to build wealth, BUT, you'd need to do one of these: Short-term rentals, Flips or house hacking.... Or.. find an unicorn multi-family that miraculously you can make the numbers work....

Hello folks!

Ive been investing in Cincinnati / Hamilton and North Coll since 2019 and it’s been growing the area. I’m looking for agents in the area, please DM! Cheers!

@Calvin Watkins thats great to know man!
I ended up looking around other opportunities in Cinci, I have a great team there that's helping me, its hard to move away.

I also talked yesterday with an all in house property manager company called Home River group from Chicago, but I had a pretty bad taste in my mouth after the meeting and also seen the yelp reviews... Find a good property manager is a big gamble when you're switching markets....

Great tips and stories folks! Thanks a lot!!