# @raymiramontes_realestate on Instagram

- **Type:** Video
- **Original URL:** https://www.instagram.com/p/Dd-geLZkv2w
- **Gondola URL:** https://gondola.cc/posts/71311385-raymiramontes-realestate-instagram
- **Thumbnail:** https://img.gondola.cc/tr:w-,h-,fo-auto/postThumbnails/f28d7dbe1d.jpg
- **Posted:** 2026-10-02T03:22:16.000+00:00
- **Account Owner:** Ray Miramontes | CA Realtor (@raymiramontes_realestate) — https://gondola.cc/raymiramontes_realestate

## Caption

Mortgage rates are rising, so the TYPE of property you buy matters even more.

Instead of buying a $1M single-family home and carrying the entire mortgage yourself, I’d seriously consider a 2-unit property or two homes on one lot.

Yes, the purchase price might be higher — maybe around $1.3M — but if the second unit can bring in $4,200–$4,500 per month, that income can help offset a big portion of your mortgage.

And depending on the property and loan program, there may be options with as little as 3–5% down.

It’s not for everyone, but if you’re buying in Southern California, it’s worth looking at the numbers.

📲 Want to see 2–4 unit properties that may work with your budget? Call or text Ray directly at 562-600-9793.

Ray Miramontes
The Mira Group | Circle Real Estate
DRE #01931740

#SouthernCaliforniaRealEstate #MultifamilyRealEstate #HouseHacking #HomeBuyingTips #LosAngelesRealEstate #FirstTimeHomeBuyer #RealEstateInvesting

## Stats

- **Views:** 1,927
- **Likes:** 24
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- **Comments:** 0

## Tags

homebuyingtips, 01931740, southerncaliforniarealestate, multifamilyrealestate, househacking, firsttimehomebuyer, losangelesrealestate, realestateinvesting

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