San Diego Fix and Flip Loan, Efficiency Defined!

How Our Client Beat the Winter Market in Just 90 Days

Winter is usually when real estate hibernates a bit — slower buyer activity, higher interest rates, and uncertainty with a new President shaking things up. But one of our borrowers didn’t get the memo. They picked up a property in San Diego for $945,000, financed $780,000 through Lantzman Lending, and flipped it in just 3 months — closing a profitable resale in March 2025. That kind of speed and success isn’t just luck, it’s smart planning and flawless execution.

What made it work? The borrower followed tried-and-true flipping fundamentals that we’ve preached in many posts before. Here’s a quick refresher for the investors out there:

🛠️ Fix & Flip Best Practices:

Buy Right: Profit is made on the purchase. Know your comps, know your holding costs, and buy at a discount.
Detailed Budget & Scope: Before swinging a hammer, know what’s being fixed, how much it’ll cost, and when it’ll be done.
Speed Matters: Time is money. The faster the turn, the better the ROI
Know Your Market: This flipper didn’t over-improve. They tailored the rehab to San Diego’s buyer expectations without too much customization that will slow you down.
Stay Liquid: Having access to funds helps deal with surprises and keeps the project moving — plan for the unexpected!
Work With Pros: The borrower had a reliable crew and trusted agents — no delays, no drama…
Have an Exit Plan: Whether it’s a resale or a rental, know the endgame before you start. Whether it is a fix & flip or fix and refinance, have a plan that you can execute efficiently

Here are the loan highlights:

-Purchase Price: $945,000
-Lantzman Lending Loan: $780,000
-Purchase Date: December 2024
-Sale Time: Exactly 3 months! Sold in March of 2025

San Diego County real estate market update:

What’s the San Diego Market Like Right Now?

As of February 2025, San Diego County’s housing market is holding strong in the face of some serious headwinds. The median home price is sitting at $875K — right at the top of a tight range it’s been in since August 2024, bouncing between $854K and $875K. That’s less than a 3% swing in six months, showing some surprising stability. For context, the all-time high of $916K was hit back in July 2024. Since then, even with high interest rates, slower buyer activity, and political transitions shaking the macro outlook, the market hasn’t cracked.

Inventory is also ticking up. There are around 5,100 homes for sale in the county, with 1,700 homes sold in February. That puts us at roughly 3 months of inventory — still tight by historical standards, but a noticeable shift compared to the ultra-scarce levels we’ve seen since the pandemic. For flippers and investors, this means more options to buy, but you still need to move fast and smart.

Looking ahead, the economic forecast is murky. Inflation is proving stubborn, and those juicy 1.5%–2% Fed rate cuts everyone was banking on? Not happening. Current expectations are now closer to just a 0.5% rate drop by year-end.

At Lantzman Lending, we help investors navigate markets just like this — with speed, certainty, and common-sense lending. Whether you’re eyeing a winter flip or planning ahead for spring, we’re ready when you are. 💪

📞 Let’s talk strategy — lantzmanlending.com

Phone: (858) 720-0229
Email: info@lantzmanlending.com