The real numbers the listing won't show you.
Built on official federal and California tax data, converted into per-property cost, risk, and scenario models you can actually use.
San Diego, California
Found another listing? Run it. Most people compare four or five before they offer.
What you get
One document, about twenty pages, covering the costs a listing leaves out. The true monthly cost of ownership, the 1% Prop 13 base levy plus the voter-approved bonds and district assessments that actually land on a San Diego County tax bill, any Mello-Roos charge attached to the parcel, an insurance estimate informed by the property’s hazard designations, and the financing itself. Then conventional, FHA and VA compared side by side at live rates, the supplemental tax bill that arrives after closing, flood, fire, seismic and tsunami designations pulled from the federal and state layers, and what the place would plausibly rent for if you kept it.
Every figure is an estimate built from free public data and every source is named and dated at the bottom of the report. It is a decision aid for comparing properties on a consistent basis, not an appraisal or financial advice.
The true monthly cost
Property tax, Mello-Roos, insurance and HOA, every line a lender's quote leaves out, added into one number. The report also forecasts the Prop-13 reset at purchase and the surprise supplemental bill the county sends separately, months after closing.
Your loan, three ways
VA, FHA and conventional side by side at live rates, with the all-in monthly payment and the income you would need to qualify for each.
Cash to close, three ways
Down payment and closing costs for all three programs, plus which fees get financed instead of paid at closing. What you need in the bank on day one, not just what you owe each month.
Hazards & neighborhood
Flood, fire, seismic and tsunami zones, plus schools, parks and transit. The stuff that changes your insurance and your daily life, every figure sourced.
Neighborhood crime, county-wide
Reported offenses for the address's ZIP from SANDAG/ARJIS regional data, covering every agency in the county from Chula Vista to Oceanside, with a persons/property split and the most-reported categories.
Rent it out, or keep it
What it rents for, from HUD Fair Market Rents where they are published, with yield, cash flow and DSCR. Plus a move-up mode that tests keeping your current home as a rental instead of selling it.
A report, not a runaround
Start with the city guides for Chula Vista, Oceanside, Carlsbad, and El Cajon.
Enter address + price
Two fields. Nothing to install.
We pull public records
County parcels and taxes, federal rates and rents, geological hazard maps.
Read the real numbers
All-in monthly, cash to close, income to qualify, every figure cited, so you can check our work.
Save, share, compare
A private link that survives reload, send it to your agent or partner, re-run as rates move, stack up to four homes side by side.
Buying your first place?
See what you'd really pay each month, before you fall in love with the kitchen.
Generate a report ↑Keeping your home and moving up?
Rent out your current place, buy the next: see the combined picture with the same 75% rent rule your lender will use, before you ever call one.
Try move-up mode ↑Rates moved. Your report didn't; until you re-run it.
Reopen any saved report to see today's payment.
Know the real number before you offer, not after you've fallen for it.
Every figure comes with its source, checkable, dated, official.
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