Rising Water Rates and How to Fight Back
San Diego residents are about to feel the sting of higher water bills, with rates set to increase in just two days. In Carlsbad, rates are climbing by nearly 20%, signaling a significant cost shift for both homeowners and renters. Ken Kaplan stressed the importance of preparing now, recommending that property owners upgrade to low-flow toilets, water-efficient showerheads, and appliances. He encouraged residents to visit their community water district’s website to look for rebates on these products. He also shared a simple method for leak detection: turn off all water inside the home and check the street water meter. If it’s still moving, you may have a hidden leak. Proactive water conservation tactics like rain barrels, downspout redirection, and rebate claims can lead to meaningful savings. Kaplan also reminded viewers that if a water bill seems unusually high, consumers have the right to request a usage audit from their provider—a little-known but powerful tool to protect your budget.

Interest Rate Movements and Market Trends
Kaplan reported slight increases across common loan types. As of this week, a 15-year fixed mortgage stands at 6.25%, a 30-year fixed is at 6.875%, and both FHA and VA 30-year options hover around 6.275% to 6.875%, reflecting an eighth-of-a-point rise over previous rates. At the same time, inventory has opened up significantly. San Diego’s active listings have jumped from roughly 4,300 a few weeks ago to about 5,800, giving buyers more choices. Kaplan forecasted that mortgage applications will begin to increase as families wrap up the school year and enter peak home-shopping season. The shift in inventory signals opportunity for buyers who may have been frustrated by limited options earlier in the year.

The Deal: Affordable Comfort in Mira Mesa

Square Feet: ~700
Bedrooms/Bathrooms: 1 Bed / 1 Bath
This one-bedroom, one-bath condo in Mira Mesa offers excellent value in a rising market. With nearly 700 square feet, the home features fresh paint, new carpeting, vaulted ceilings, and a spacious balcony ideal for enjoying San Diego’s year-round sun. The complex includes a community pool, spa, and recreation room, giving homeowners access to resort-style amenities without the price tag. Located near major freeways and retail centers, the property is well-positioned for commuters or first-time buyers looking to enter the San Diego market.

List Price: $399,000

The Dream: A Designer Home with Resort Living in Mira Mesa

Square Feet: ~2,100
Bedrooms/Bathrooms: 3 Bed / 4 Bath
Built in 2022, this former model home in a newer Mira Mesa development offers the kind of luxury rarely seen in this price range. Spanning three levels, the property includes a full bedroom and bathroom on the first floor, perfect for multigenerational living or remote work setups. The second floor features open-plan living and dining areas, high-end finishes, and a spacious kitchen with quartz counters and stainless appliances. The third floor holds two additional bedroom suites, including a luxurious primary retreat. Owned solar with net metering keeps utility costs down, and the home includes one of the largest private yards in the community. Located near the 15 freeway and surrounded by new amenities, this home combines convenience with elegance—making it a standout listing in San Diego.

List Price: $1,325,500

Final Thoughts
Whether you’re focused on managing household costs or scouting your next move in the housing market, this week’s updates delivered something for everyone. From rising water rates and the need for conservation to a growing inventory and elevated interest rates, 2025’s real estate climate demands a balance of smart planning and opportunity spotting. And in neighborhoods like Mira Mesa, where options range from affordable condos to high-end dream homes, there’s no shortage of possibilities.

The post Mira Mesa Real Estate Highlights: Water Costs, Rate Hikes, and Market-Ready Homes appeared first on ROI TV.

Changing ADU Rules in California
Ken Kaplan broke down the latest on SB 9 and SB 10, which now allow homeowners to build up to four and even ten units on a single-family lot depending on conditions like lot size and available parking. While these laws were originally designed to help ease the housing crisis, we’re now seeing concerns about unintended consequences. Overdevelopment is becoming an issue in neighborhoods not designed to support multi-unit density. Local governments are beginning to respond, and we may soon see limits on size, height, and the number of allowable units per lot. My advice? If you’re considering building an ADU, consult with your local city officials or hire an architect who understands the nuances of current regulations. Acting now could mean the difference between opportunity and red tape later.

Property Spotlight: Skyline Neighborhood Deal
We toured a fantastic remodeled property in the Skyline neighborhood—an ideal example of how ADUs can add value without overwhelming a space.

• Main Home: 3 bedrooms, 2 bathrooms
• Interior Size: 1,429 square feet
• Lot Size: 5,700 square feet
• ADU: Separate 1-bedroom, 1-bath unit
• Price: $699,000

This home features a modern open floor plan and was completely remodeled within the last six months. With rental income potential from the ADU, it’s a smart buy for homeowners or investors looking to offset mortgage costs. This is the kind of well-balanced ADU development that truly works.

Luxury Living: The Sand Castle in La Jolla
On the high end of the market, we showcased one of the most exclusive homes ever featured—The Sand Castle in La Jolla.

• Bedrooms: 10
• Bathrooms: 17
• Interior Size: Just under 13,000 square feet
• Land: Two separate parcels
• Private Beach Access: Protected by a 1955 seawall
• Price: $108 million

The home, designed by Tim Corrigan and Drex Patterson, is an architectural masterpiece inspired by French and Italian styles. It includes crystal chandeliers, marble floors, saltwater pools, a tea garden, an elevator, and unmatched beachfront privacy. It’s a true statement in luxury living.

Streamlining ADU Builds in San Marcos
If you’re looking to simplify the ADU process, San Marcos is leading the way. The city now offers pre-approved ADU floor plans, which allow homeowners to select from vetted designs and speed up the permitting process. This initiative helps reduce planning costs and ensures that the structures conform to neighborhood standards—preventing the “backyard apartment complex” effect that’s frustrating so many residents across the state.

Concerns About Overbuilding
As ADU rules become more permissive, some homeowners are pushing the limits. Large-scale backyard construction threatens to alter the fabric of traditional residential neighborhoods. Ken made it clear: while we need more housing, it has to be done responsibly. There’s a fine line between increasing housing supply and undermining the very communities we’re trying to improve. Future rollbacks may aim to strike this balance.

Final Thoughts for Homeowners
If you’re even thinking about adding an ADU, now is the time to act. Familiarize yourself with your city’s current rules. Understand setbacks, height restrictions, and maximum unit sizes. These rules are still evolving, and acting before further restrictions come down could give you a major advantage. Just as important—work with professionals. A qualified designer or architect who knows the local codes can help you avoid costly missteps and navigate the permitting process smoothly.

In today’s real estate landscape, being informed isn’t optional—it’s essential. Whether you’re upgrading your home or planning your next big investment, staying ahead of changing ADU laws could be the key to unlocking long-term value.

The post The Truth About ADUs: How California’s Changing Rules Could Affect Your Property and Investment Plans appeared first on ROI TV.

On the flip side, when the stock market seems too risky, some investors pivot to real estate to secure more predictable, long-term returns. At the same time, activity in the bond market is nudging mortgage rates slightly lower, potentially offering buyers a bit of relief. But interest rates aren’t the only thing shifting. Inventory is rising.

In San Diego alone, available homes have climbed to about 5,500—the highest level in four years. More inventory means buyers finally have options, and sellers face real competition. The days of 20-offer bidding wars are largely behind us. Homes are staying on the market longer, and price reductions are becoming more common. Kaplan emphasized the need for buyers and sellers alike to do their homework. In today’s market, understanding trends, neighborhood comps, and market dynamics is essential to avoid overpaying or underpricing. Tariffs are also starting to influence the housing landscape. As the cost of imported materials like lumber increases, so does the cost to build new homes. Kaplan laid out two opposing views: one side argues that tariffs could boost U.S. jobs and raise wages, potentially giving consumers more buying power. The other warns that higher construction costs will make homes less affordable. Right now, it’s unclear which side will win out, but the impact of tariffs on housing is something to watch closely.

The bigger issue Kaplan sees?

It’s not a housing shortage—it’s an affordability shortage. There may be more homes on the market, but if average Americans can’t afford to buy or rent them, the inventory boost won’t solve the real problem. For now, the best thing consumers can do is stay informed. Whether you’re buying, selling, or renting, knowledge is power. Kaplan advises sellers to analyze their local market and competitors to price realistically. Buyers and renters should resist emotional decisions and take time to evaluate their options carefully. In a market this complex, understanding the forces at play—from Wall Street to Washington—can make the difference between a smart move and a costly mistake.

The post Real Estate in Flux: How Stocks, Tariffs, and Inventory Are Reshaping the 2025 Housing Market appeared first on ROI TV.

In this week’s episode, I broke down the latest mortgage rate updates, gave my take on the short-term rental market, and shared two stand-out properties one for the budget-savvy and one for the dream-home seeker.

Short-Term Rentals Are Still Standing—But Smarter Than Ever

Let’s talk short-term rentals. Despite the growing number of regulations and vocal neighbors, vacation rentals in the area whether it’s Airbnb or VRBO are still performing well. What’s changed? Enforcement. These homes are being used for what they were meant to be: vacation spaces, not party pads.

For those looking to rent one, I always recommend:

• Reading verified reviews carefully
• Checking the host’s reputation
• Using Google Street View to check out the vibe of the neighborhood

Simple tools go a long way. Know the rules, respect the space, and don’t get caught off guard by where the nearest grocery store is. A little planning makes for a smoother stay.

The Deal in Scripps Ranch That Caught My Eye

If you’re looking for something affordable with smart square footage, this one’s for you:
A one-bedroom, one-bath condo, built in 1979, that clocks in at 750 square feet that’s the size of some two-bedroom units downtown.

What I liked:

• Fireplace
• New flooring
• Stainless steel appliances
• Centrally located near shopping
• One parking spot
• HOA fees at $376 (reasonable for this area)

All for $425,000. In today’s market? That’s a good find, especially in a neighborhood like Scripps Ranch.

The $3M Dream Home That Feels Like a Private Resort

Now, let’s switch gears this next property is a jaw-dropper.

Located in Stonebridge, Scripps Ranch, this Spanish colonial-style estate offers nearly 4,800 square feet on more than half an acre. Originally built in 2005, it’s been completely remodeled to feel like a high-end resort.

Highlights:

• Five bedrooms, six baths
• Gated garden entrance
• Basketball court, putting green, and pool with a waterfall
• Separate casita
• Chef’s kitchen with Thermador appliances
• Primary suite with two balconies and Venetian gold granite slabs

There are Melrose fees in this part of the neighborhood—common with newer developments—but the lifestyle you get in return is unmatched.

For $3 million, you’re getting a personal retreat with luxury around every corner.

Real Estate Isn’t Just Numbers It’s Local Knowledge

One of the things we laughed about in this episode is how easy it is to understand values in your own backyard. I can look at a house in Scripps Ranch and give you a ballpark figure in seconds but drop me in Denver, and I’ll need a minute.

That local insight is part of why I love sharing these episodes. Whether you’re renting, buying your first place, or daydreaming about that luxury upgrade, it pays to know your market—and know what questions to ask.

Until next time, keep your eyes open and your offers sharp.

The post From Smart Deals to Dream Homes: Inside the Real Estate Buzz in Scripps Ranch appeared first on ROI TV.

Safety First: Earthquake Preparedness Essentials
Ken Kaplan kicked off the discussion by reminding viewers of the importance of being prepared for seismic events, especially in a state like California. Assembling an earthquake kit doesn’t take much effort but can offer tremendous peace of mind. He recommended keeping a “go kit” in an accessible place with essentials like bottled water, batteries, a wind-up charger, energy bars, a flashlight, first aid supplies, a radio, and tools like a gas shut-off wrench. These items can easily be stored in a bucket or duffel bag. He also urged homeowners to secure items inside their homes pointing to examples from a recent Little Italy quake where unsecured cabinets fell and created hazards. Preventing these types of injuries by anchoring furniture and securing wall-mounted items is a simple but effective measure in earthquake-prone areas.

What You Need to Know About Earthquake Insurance
Kaplan clarified that standard homeowner insurance policies in California do not cover earthquakes. For protection, homeowners need to purchase a separate policy through the California Earthquake Authority. He emphasized the importance of reading policy details carefully, as earthquake insurance often has coverage limits for structures, contents, and additional living expenses. He also encouraged homeowners to inspect their property for cracks, separations, or paint gaps after any tremor, and to have any suspicious damage evaluated by a professional. These steps can make a significant difference in recovery if an event does occur.

Rate Watch: Interest Rate Trends and Strategic Timing
Interest rates ticked up slightly in the past two weeks, by about an eighth to a quarter of a percentage point, according to Kaplan. These small changes can impact affordability for buyers using fixed-rate mortgage products. He discussed 15-year fixed, 30-year FHA, and 30-year VA loans, and recommended that buyers keep an eye on macroeconomic indicators like stock market volatility and consumer confidence, as these can influence rate trends. Strategic timing could save buyers thousands over the life of a loan, making rate monitoring an essential part of the buying process.

The Deal: A San Carlos Two-Bedroom with Incredible Value

Square Feet: 1,048
Bedrooms/Bathrooms: 2 Bed / 2 Bath
Year Built: 1971 (remodeled)
HOA: $600/month

This top-floor end unit in San Carlos represents one of the most attractive deals to hit the market in recent years. Though the building dates to 1971, the unit has been tastefully remodeled and features a brand-new air conditioning system. Amenities include one dedicated parking space, access to a pool and jacuzzi, and a well-maintained common area. With similar one-bedroom units in the complex priced at the same level, this spacious two-bedroom delivers excellent value for buyers looking for entry into a desirable neighborhood.

List Price: $439,000

The Dream: A Renovated Four-Bedroom Oasis with Designer Touches

Square Feet: 2,200
Bedrooms/Bathrooms: 4 Bed / 2 Bath
Year Built: 1980 (fully renovated)

Set on a quiet San Carlos street, this fully renovated home offers over 2,200 square feet of refined living. Every inch has been upgraded from the framing in, making it functionally new construction. The layout is drenched in natural light with cantina doors that open to a low-maintenance yard lined with fruit trees. The centerpiece is a resort-style pool with a waterfall edge, framed by ample patio space for entertaining. Inside, the primary suite features custom closets and a spa-like bathroom. With top-rated schools nearby and high-end finishes throughout, this property offers turn-key living in a centrally located neighborhood. Kaplan noted that offers had already started coming in, and it’s likely to sell near or at asking price.

List Price: $1,600,000

Conclusion: A Well-Rounded Look at Life in San Carlos
This week’s spotlight showcased more than just homes it provided a roadmap for smart homeownership in a region where lifestyle and safety intersect. With earthquake risks, interest rate fluctuations, and a wide spectrum of home prices, buyers in San Carlos have plenty to consider. Whether you’re shopping for your first condo or your forever home, it’s clear the San Diego market continues to offer both deals and dreams.

The post San Carlos Spotlight: Earthquake Readiness and Real Estate from Smart Buys to Renovated Dreams appeared first on ROI TV.

The Entry Point: Affordable Mobile Home in El Cajon

Square Feet: ~500
Bedrooms/Bathrooms: 1 Bed / 1 Bath
Year Built: 2021
Monthly Space Rent: $1,125

This newer mobile home, built in 2021, offers stainless steel appliances, laminate vinyl plank flooring, a full kitchen, and dedicated parking—all within a manageable 500 square feet. Located in El Cajon, the unit is ideal for buyers priced out of the condo market or those seeking simplicity without sacrificing comfort.
With a purchase price of just $64,000 and monthly space rent of $1,125, this option provides an affordable pathway to homeownership. Financing options are available, and monthly payments may be less than renting a traditional apartment in the area. It’s a strong choice for individuals prioritizing affordability, lower maintenance, and flexibility in location.

List Price: $64,000

The Dream Home: Coastal Manufactured Living in Carlsbad

Square Feet: 800
Bedrooms/Bathrooms: 2 Bed / 1 Bath
Year Built: 1968 (remodeled)
Monthly Fees: $360 + $102 Utilities

For those seeking a coastal lifestyle, a remodeled manufactured home in Carlsbad offers panoramic views, access to a 55+ gated community, and an amenity-rich environment including a clubhouse, pool, and spa.
Built in 1968 and fully updated, this 800-square-foot residence combines charm and location. Unlike mobile homes that typically lease land, this manufactured home includes land ownership—a major factor in its $1.5 million valuation. Its proximity to the beach and coastal walkways makes it a rare gem, appealing to retirees or anyone dreaming of relaxed, oceanside living.

List Price: $1,500,000

Understanding the Difference: Mobile vs. Manufactured Homes
The terms mobile and manufactured home are often used interchangeably, but they refer to very different types of housing. Mobile homes are built on trailer bases, registered through the Department of Motor Vehicles, and can be relocated depending on condition and park rules. They may be sold with or without the land they sit on.
Manufactured homes, on the other hand, are built in factories and transported to permanent foundations. These homes are often part of planned communities, and in some cases, include land ownership—making them eligible for traditional real estate financing. Their permanence, added amenities, and ownership structure often lead to higher resale values.

Where Affordability Meets Lifestyle
From a first-time buyer’s perspective, a $64,000 mobile home with modest rent can provide stability in a high-cost region. For those with bigger budgets and a desire for scenic living, a million-dollar manufactured home near the beach offers prestige without the maintenance of a traditional home.
As Ken Kaplan shared in this week’s discussion, choosing between mobile and manufactured homes comes down to lifestyle, location, and financial strategy. Whether you’re looking to save or splurge, San Diego’s market has something unique to offer.

The post San Diego’s Mobile and Manufactured Homes: Budget-Friendly Deals and Coastal Dreams appeared first on ROI TV.

The Deal: Affordable Condo with Big Value in Rancho Bernardo
List Price: $324,000
Square Feet: 900 (approx.)
Bedrooms/Bathrooms: 2 Bed / 1 Bath
Year Built: 1994
Features: Remodeled kitchen, granite countertops, new paint, in-unit laundry, A/C & heating, 1 parking space
Extras: Low HOA fees, award-winning school district
Tucked into one of the most sought-after suburban pockets in San Diego, this two-bedroom condo offers a rare opportunity to break into the Rancho Bernardo market without breaking the bank. Built in 1994 and recently upgraded, this home features a remodeled kitchen with granite countertops, fresh paint throughout, and efficient central heating and cooling.
With just under 900 square feet, the space is smartly laid out for young professionals, small families, or first-time buyers looking for convenience and access to some of the county’s best schools. The unit includes in-unit laundry and one dedicated parking space, while HOA fees remain comfortably low.
At $324,000, this is currently the lowest-priced unit in Rancho Bernardo—a fact that’s drawing immediate buyer interest. Given the condition, location, and price, it’s no surprise local agents expect this condo to move quickly.

The Dream: Luxury Single-Story Estate with Resort-Level Amenities
List Price: $1,775,000
Square Feet: 3,980
Bedrooms/Bathrooms: 5 Bed / 5 Bath
Year Built: 2012
Lot Size: 1 Acre

Features: Solar-heated house, pool & spa, gourmet chef’s kitchen, coffered ceilings, 1,000 sq ft patio, private well
Extras: 3-car garage, circular driveway with 9-car capacity, mature fruit trees, panoramic views

Just a few blocks away—but a world apart in experience—sits a stunning custom estate that redefines luxury living in Rancho Bernardo. Built in 2012 and beautifully maintained, this single-story home offers nearly 4,000 square feet of thoughtfully designed space. From coffered ceilings to oversized windows with sweeping views, every detail adds to the sense of refined tranquility.

The heart of the home is a gourmet kitchen that opens to expansive living areas and leads to a 1,000-square-foot patio—perfect for entertaining or unwinding by the solar-heated pool and spa. The one-acre lot includes fruit trees, a private well for landscape irrigation, and a circular driveway that accommodates up to nine vehicles.
With five spacious bedrooms, five full baths, and high-end finishes throughout, this home delivers incredible value at $1.775 million. In today’s San Diego luxury market, similar properties in coastal neighborhoods are often listed for $2–3 million.
Local real estate experts predict a quick sale, with the home offering both luxury and practicality—especially with interest rates nudging buyers off the sidelines.

Market Snapshot: Why Rancho Bernardo is Heating Up
Rancho Bernardo is riding the wave of renewed buyer interest as lower interest rates re-enter the conversation. More buyers are returning to the market, and well-priced homes—whether affordable condos or high-end estates—are getting snapped up quickly.
Both properties featured this week reflect the market’s dynamic nature: a competitive entry point that’s perfect for first-time buyers, and a luxury estate that would be hard to replicate elsewhere in the county for under $2 million. Timing, as always, is everything in real estate—and right now, Rancho Bernardo is delivering on both ends of the spectrum.

All writings are for educational and entertainment purposes only and does not provide investment or financial advice of any kind.

The post This Week in Rancho Bernardo: A Tale of Two Homes One a Deal, the Other a Dream appeared first on ROI TV.