5 Ways to Structure a Buy/Sell Move + This Week's Coastal Picks from $2M to $21M


We are writing offers for clients this week and guess what? We are competing against multiple offers.

The market is sitting in an interesting equilibrium right now. Inventory is tight. Buyers are active. Good properties are selling with multiple offers at reasonable prices. The difference is buyers are willing to pay a fair price for a quality home, but they are far less inclined to stretch 10–15% over market value. That dynamic is keeping prices steady, even in competitive situations with multiple offers.

Of course, there is always the seller who believes their home is worth 20% more than the most recent comp because they remodeled the kitchen… in 1987… and added carpet… in the garage. But we can work them too!

Recent statistics show that, on an aggregate basis, prices are largely unchanged from last year. Interest rates have been cooperating and drifting lower. At these price points, even small rate improvements meaningfully impact affordability and buyer behavior.

Markets move in cycles, and there are always solutions within them. Below, we outline several strategies we are implementing to help clients make lateral moves and navigate changes, whether moving up or downsizing. If you are considering a move but are unsure about the logistics, timing, or structure, give us a call. The right plan makes all the difference.

We also selected six new listings along the coast to share, along with our thoughts. The home on Taft will sell quickly and likely with multiple offers. We were aware of this opportunity two weeks ago, but it did not align with our current buyers. If that property fits what you are looking for, let’s connect so we can position you for opportunities like this before they officially hit the market.

The remaining properties represent strong value when you consider price, location, and views. It is a good range, offering options from $2 million to $21 million along the coast.

Del Mar

555 Amphitheatre Drive

6 BD | 6 BA | 4,177 SF

$8,450,000

Positioned on a rare 1/3 acre hillside, this Del Mar showplace isn't just near the ocean, it is anchored by it. More than 180 degrees of Pacific horizon serve as the living wallpaper throughout the main house.

La Jolla Alta

1547 Caminito Solidago

3 BD | 3 BA | 2,486 SF

$1,900,000

Located in the desirable Ventana community in La Jolla Alta, this beautifully maintained 3-bedroom, 2.5-bath residence offers a spacious floor plan and outstanding amenities in a prime coastal setting in La Jolla.

Bird Rock

5617 Taft Ave

3 BD | 2 BA | 1,292 SF

$2,498,000

Rich with classic coastal charm, the home features a warm and inviting layout that reflects the timeless appeal Bird Rock is known for. Step outside to a welcoming deck and generous outdoor living space — ideal for relaxing, entertaining, or enjoying the coastal breeze year-round.

Lower Hermosa

6011 Vista De La Mesa

4 BD | 4 BA | 3,424 SF

$6,400,000

Located blocks from the beach in the highly desirable Lower Hermosa neighborhood of La Jolla, this beautifully upgraded 4BR/4BA home offers exceptional indoor-outdoor flow and a rare bonus four-car garage with convenient alley access.

Muirlands

1515 El Camino Del Teatro

5 BD | 7 BA | 7,590 SF

$21,000,000

Tucked behind gates on 1.47 acres in La Jolla’s coveted Olde Muirlands, this panoramic ocean-view estate presents a rare opportunity for those seeking privacy, property and architectural substance in a premier coastal location.

Solana Beach

211 S Helix #53

2 BD | 3 BA | 1,833 SF

$3,295,000

Perched directly on the bluffs in Surfsongone of Solana Beachs most sought-after oceanfront communitiesthis white-water residence captures the essence of true coastal living. Offered for the first time since it was originally purchased from the builder in 1978.

One of the biggest challenges in today’s market is for homeowners looking to make a lateral move, whether that means moving up or downsizing. Most people need, or at least strongly prefer, to sell their current property before purchasing the next one. The hesitation is understandable. They don’t want to sell without knowing where they’re going, but when the right home comes along, they risk losing it if their current home hasn’t sold.

In these situations, it’s critical that we provide realistic value estimates so you can make informed decisions with confidence. From there, we build a strategic game plan with multiple paths forward.

1. Contingent Sale

Will a seller accept an offer contingent on you selling your home? It’s challenging, but not impossible. Success comes down to how we position the offer and build confidence with the seller that we can perform within a reasonable timeframe. We have to make the case and get them comfortable with the structure. In off-market opportunities, we may even have more leverage since you are not competing directly with other buyers.

2. Bridge Loan

In more competitive situations, having a bridge loan or strategic financing in place can strengthen your position. There are creative and reasonable lending options available, especially when there is sufficient equity in your current home. If we negotiate timelines properly on both transactions, we can often minimize the time you need bridge financing.

3. HELOC

Depending on your financial profile, a HELOC can be used to access equity in your current home for the down payment on the next one. Once your home sells, the HELOC is paid off. This option is often more cost-effective and simpler than bridge financing if you qualify. Proper presentation and structuring with the lender is key, and we help guide that process.

4. Rent Back

Another strong option is negotiating a rent-back. You sell your home, secure your equity, and then lease the property back from the buyer for one to six months at market rent. This allows you to write a non-contingent offer on your next purchase while giving you time and flexibility to find the right home without unnecessary pressure.

5. Extended Escrow

In some cases, we can negotiate an extended escrow with an increased deposit released to the seller. This can provide additional confidence to the seller while giving you more time to coordinate both transactions.

Selling and moving is inherently stressful. Having a well-thought-out plan with realistic numbers and multiple options in place makes a significant difference. Our role is to help you evaluate the best strategy for your situation and execute it with confidence.

The January sales statistics illustrated in this report reflect the very slow holiday market of December and early January when the offers were negotiated: This is why January typically sees the lowest sales volume of the year and very weak standard measurements of demand. These figures are of limited value as indicators of what the new year’s housing market will look like and can be expected to shift rapidly in coming months as listing and sales activity surge.

6817 Vianda COURT

Buyer Representation | Carlsbad

Last offered at $3,795,000

Escape to your private Tuscan paradise, majestically perched atop La Costa with commanding forever views of the Pacific Ocean. This custom estate is a rare opportunity, offering an unparalleled combination of privacy, luxury, and breathtaking views.

6424 El Camino Del Teatro

Seller Representation | La Jolla

Originally offered at $4,299,000

Cotton candy skies and breathtaking views set the tone for this rare offering. Perched high above the homes below, opportunities like this--an expansive half-acre lot with captivating unobstructed panoramic vistas of the ocean, Muirlands, and the Village--seldom come to market.

RH San Diego Opens at Westfield UTC With Gallery-Level Glamour

Via Modern Luxury

The two-story storefront features luxury home furnishings, vintage artifacts and modern pieces that showcase why the brand has developed such notoriety since its inception in 1979.

La Jolla Cove Ranked No. 1 Beach in the United States and No. 7 in the world

Via LaJolla.com

Tripadvisor recently released its 2026 Traveler’s Choice Awards “Best of the Best Beaches” listing, which ranked La Jolla Cove as the top beach in the United States.

5 New Restaurants Giving San Diego's Dining Scene a Vibrant Edge

Via Modern Luxury

Delicious new openings dominate San Diego’s restaurant scene. Here’s where we’re booking our next night out.

This report features an in-depth market analysis from Compass Chief Economist, Mike Simonsen, paired with national ultra-luxury sales data and firsthand insights from Compass real estate professionals nationwide. Together, these perspectives offer a clear picture of the ultra-luxury market in 2025, predictions for 2026, and market-specific insights shaping luxury real estate nationwide.

Read our feature in SD Voyager Magazine!
The article speaks to our careers before we met (at the office in 2004), how we got started in the business together, to challenges & lessons we've learned along the way, and finally what sets us apart from others in the industry.
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Ryan Mathys & Tracie Kersten
Compass La Jolla
R: 858.405.4004
T: 619.886.5294
Ryan@LaJollaAgent.com
Tracie@LaJollaAgent.com
DRE # 01361941/01137669
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Compass is a real estate broker licensed by the State of California operating under multiple entities. License Numbers 01991628, 1527235, 1527365, 1356742, 1443761, 1997075, 1935359, 1961027, 1842987, 1869607, 1866771, 1527205, 1079009, 1272467. All material is intended for informational purposes only and is compiled from sources deemed reliable but is subject to errors, omissions, changes in price, condition, sale, or withdrawal without notice. No statement is made as to the accuracy of any description or measurements (including square footage). This is not intended to solicit property already listed. No financial or legal advice provided. Equal Housing Opportunity. Photos may be virtually staged or digitally enhanced and may not reflect actual property conditions.

7863 Girard Ave. Suite 208, La Jolla, CA 92037
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Ryan & Tracie

Whether you're buying, selling, or simply exploring the San Diego market, this is your go-to resource for strategic real estate guidance, tax-smart planning tips, and a curated look at the best homes across the county. As longtime local experts with decades of experience, we share real-world strategies we use with our clients every day, plus honest opinions on property values, neighborhood insights from true locals, and smart advice for those looking to invest in coastal San Diego.

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