What we do
Family home sale and real estate guidance
The house is usually the largest asset in a care plan. Whether to keep it, rent it or sell it changes the monthly math more than any other single decision.
The house is not a savings account you can spend quietly
For most South Coast families the home is worth more than every other asset combined, which makes it the plan whether or not anyone says so out loud. Ignoring it usually means running short in year two instead of year five.
Selling under pressure is expensive
A sale forced by a care crisis gives away negotiating room on price, repairs and timing. Families who start the conversation while care is still manageable keep that room, and they get to choose the order of the move instead of having it chosen for them.
Keep, rent or sell, and what each one costs
Keeping the home preserves an inheritance and a familiar place in the family. It also means property taxes, insurance, maintenance and a vacant house nobody is watching.
Renting covers part of the monthly care cost but adds a landlord role and a tenant relationship to manage from a distance.
Selling turns equity into cash and ends the carrying costs. Capital gains, and the Medi Cal look back period, both matter before that decision rather than after it.
What this includes
- A straight comparison of keeping, renting and selling
- What the equity is actually worth to the care plan
- The specialists to involve before a listing or a loan
Where to go next
Talk it through with someone local
A short conversation is usually enough to work out which of these applies to your situation, and what to do first.