The Todd Team

The Todd Team The Todd Team Realtors are San Diego's Premier Real Estate Team providing outstanding service to buy

09/17/2026

Moving doesn’t automatically mean you should sell your current home.

Sometimes, keeping it as a rental can be the better long-term strategy.

But before you make that decision, you need to look beyond one number: the monthly rent.

What could the property realistically rent for? What will you spend on maintenance, vacancy, financing, insurance, property management, and other operating expenses? And just as importantly—do you actually want the responsibilities that come with being a landlord?

As real estate brokers and property managers, we help homeowners evaluate both sides of the decision before they move.

Sell the property and use the equity elsewhere?

Or keep it, rent it out, and potentially build a long-term investment?

There’s no universal answer. The right move comes down to your property, your numbers, and your goals.

Considering a move but not sure what to do with your current home? Send us a message. We’ll look at the numbers and walk through your options with you.

Tim Todd | CA DRE #02040937

09/12/2026

If you’re 55+ and staying in a house that no longer fits your life because you’re afraid of losing your low property tax basis, you need to know about Proposition 19.

We hear the same concern from longtime San Diego homeowners all the time: “We bought 30 years ago. Our property taxes are low. If we sell and buy something else, our taxes are going to skyrocket.”

That concern is understandable—but California’s Proposition 19 may give you another option. Eligible homeowners who are 55 or older can transfer their property tax base to a replacement primary residence anywhere in California, subject to specific rules. The benefit can generally be used up to three times, and depending on the value of the replacement home, there may be an adjustment to the transferred taxable value.

There are important requirements around timing, eligibility, and property values, so this is something you’ll want to run by your tax advisor for your specific situation.

But the bigger point is simple:

You may not have to stay in a house that’s too big for you just to protect the property tax basis you’ve built over decades.

If you’re 55+ and have been putting off the downsizing conversation, comment “DOWNSIZE” and we’ll send you a plain-English rundown and help you understand what your current San Diego home could sell for today.

Tim Todd | CA DRE #02040937

09/10/2026

If we were starting over as real estate investors in North County today, we wouldn’t be hunting for a “magic” listing.

We’d be looking at backyards.

California has made it significantly easier to add ADUs—granny flats, casitas, garage conversions—and that changes the math on a lot of properties. Instead of buying an entirely separate property to create another income stream, you may be able to add one to the property you already own.

That doesn’t mean it’s free money. You still have construction costs, permits, utility connections, and different requirements depending on the city. Oceanside isn’t Encinitas. Escondido isn’t San Diego. The numbers and feasibility need to make sense for the specific property.

But when we walk a property with an investor now, one of the first things we look at is the lot and ask:

“Is there another unit hiding back here?”

Because sometimes the best investment on the block isn’t the cheapest house.

It’s the one with room to grow.

Own a North County property with a big backyard or unused garage? DM us **“ADU”** and we’ll take a look at whether the numbers could work for your lot.

Tim Todd | CA DRE #02040937

09/05/2026

17712 Tristania Place, San Diego, CA 92127

3 Bedrooms | 2.5 Bathrooms | 1,622 Sq. Ft.

Offered at $995,000–$1,050,000

If you’ve been looking for a home in Rancho Bernardo with privacy, views, and a backyard you’ll actually use, this one deserves a look.

Located on a quiet cul-de-sac in the highly desirable Westwood neighborhood, this twinhome features a spacious private backyard with canyon and mountain views, a covered patio built for entertaining, and plenty of room for the kids to play.

Inside, you’ll find high ceilings, large windows that bring in tons of natural light, a cozy fireplace, upgraded ceiling fans, electric shades, and new windows and sliders throughout. All three bedrooms are upstairs, and the home also includes an owned purified water system.

Add in low HOA fees, no Mello-Roos, access to the Westwood Club and PUSD, plus restaurants and shopping within walking distance, and you’ve got a home that checks a lot of boxes.

09/03/2026

Before you write an offer on a North County home, ask one question:

“Can I get homeowners insurance on this property—and what will it cost?”

We’ve watched this become a problem at the very last minute.

In many parts of San Diego County, especially brush-adjacent areas, homeowners insurance has become harder to place. The mistake is waiting until week three of escrow to get a real quote… only to find out the premium looks nothing like what you budgeted for.

Get an insurance quote on the **actual property address early.** Find out whether the home is in a high fire severity zone. Ask about defensible space requirements. Know what you’re dealing with before you’re deep into the transaction.

99% of the time, it’s a non-issue and you move forward.

But for that other 1%? You’ll be very glad you asked in week one instead of week four.

Writing an offer soon? Comment **“OFFER”** and we’ll send you our pre-offer checklist, including the insurance questions you should be asking.

Tim Todd | CA DRE #02040937

Did you know that The Todd Team Realtors offer Property Management Services? Weather you're just looking to place tenant...
08/19/2026

Did you know that The Todd Team Realtors offer Property Management Services? Weather you're just looking to place tenants or looking for a full line of monthly services, we are here to help. Dm or give us a call and let's discuss your situation.

08/03/2026

Ever wonder why some homes just sit on the market? It could be a number of factors. We'll help you sift through the confusion. Call us (858)243-6243, or DM us today, and let us help you through the home buying and selling process.

07/29/2026

A lot of home buyers make these three mistakes. Not our clients though! DM us or give us a call today and let's make a plan!

07/27/2026

Buying a home? Make sure you don't forget these costs! That what we're here for, to take you through the process. DM Budget, or give us a call today and we'll formulate a plan!!

07/23/2026

thinking about moving to San Diego? Watch this! Then let's chat and make a plan. DM today.

Address

10531 4S Commons Drive, Ste 539
San Diego, CA
92127

Telephone

+18582436243

Website

Alerts

Be the first to know and let us send you an email when The Todd Team posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to The Todd Team:

Shortcuts

Featured

Share

Category