Roger Ma

Lemon Grove CA Home for Sale

This beautiful single story home, located in a mature and quiet neighborhood of proud homeowners, can now be yours! This property has 3 bedrooms, 2 bathrooms and an attached 2 car garage. Current owners have lived here for the last 10 years and have maintained this lovely home in great condition! The exterior was just painted. Other upgrades include central AC and heating, new front landscaping and driveway expansion. The generous backyard has a patio cover with full surround netting to keep insects away. There are no neighbors in the back. Located in a very convenient and desirable Lemon Grove location, close to trolley station, stores, freeways, dining, parks and schools. Due to its proximity to the trolley station, this home is within a "no electricity outage" zone. Most furniture will come included with this home. Please ask for details. Must see!

Lemon Grove CA Home for Sale

Priced reduced! All buyers welcome! Conventional, FHA, VA! Beautiful remodeled single family home with a huge backyard! Has a detached 2 car garage. Located in a secluded quiet location in Lemon Grove. Feels like you're in the woods but still in the city. Has 3 bedrooms, 2 baths. Open floorplan! Upgrades include new windows, granite counters, kitchen cabinets, new baths, laminate flooring, and more! Current owner is in the military and has been been deployed so therefore selling this house. Neighborhoods: Lemon Grove Other Fees: 0 Sewer: Sewer Connected

Chula Vista CA Home for Sale

All buyers welcome! VA and FHA! Beautiful fully remodeled condo for sale in a desirable neighborhood! Convenient to shopping, dining, parks and schools. Condo is located on the 3rd floor with no one above you. This home has vaulted ceilings, private balcony, upgraded granite kitchen and bathrooms, new flooring, storage and more! Has 2 master suites, each with its own bathroom. You get 2 parking spots. You get 1 car garage #D and assigned parking spot #435. Neighborhoods: Otay Ranch Other Fees: 0 Sewer: Sewer Connected

San Diego CA Home for Sale

BEAUTIFULLY UPGRADED 1 bed/1 bath townhome in serene Park Mesa community. This charming home features an updated granite kitchen w/remodeled cabinets, recessed lighting, newer S/S appliances + a spacious balcony right off the living room. Other great features include hardwood flooring, new custom paint, crown molding, ceiling fans, new windows & master bath with newly upgraded tile. Equipped w/laundry/storage & 1 car garage. Situated in a picturesque canyon w/swimming pool, clubhouse & tennis court! Ideal city location, close to shopping, entertainment, restaurants, parks, schools and more! Desirable Park Mesa community offers: swimming pool, clubhouse & tennis courts! Many great features include hardwood flooring in kitchen and family room, newer tile in bath, new custom paint, crown molding, recessed lighting, ceiling fans, balcony off family room and upgraded windows, plus a one car garage on the ground level with laundry hookups (washer & dryer convey!) and storage. Room dimensions & sq footage are approximate, per builder & assessor`s record. All MLS & marketing info is approximate & not guaranteed.. Neighborhoods: Linda Vista, Park Mesa Complex Features: ,,, Equipment: Dryer,Garage Door Opener, Washer Other Fees: 0 Sewer: Sewer Connected

Bonita CA Home for Sale

Incredible location in Bonita! This 1st floor condo is right next to the pool & 25 steps to the golf course trail! Clean unit in a gated complex with granite counter, premium cabinets & pull-out shelves/lazy susans. Enjoy the view of the pool & golf course! Oversize master bedroom has walk-in closet & own bathroom. Walking distance to shopping & dining. Complex has 2 pools plus clubhouse. Plenty of storage. One assigned parking spot plus additional permit for any open spot. Also lots of street parking. Neighborhoods: Bonita Other Fees: 0 Sewer: Sewer Connected

San Diego CA Home for Sale

Fixer w/ smart equity possibilities. Good bones. Cosmetic improvements needed. Good neighborhood. Neighborhoods: San Diego Other Fees: 0 Sewer: Sewer Connected Topography: LL

Chula Vista CA Home for Sale

Beautiful highly upgraded home located in a desirable Otay Ranch neighborhood! Has only 1 common wall but feels like a detached single family home. Features include bedroom & bath downstairs, upgraded kitchen, flooring, tall ceilings, open floorplan, living & family room, AC, fireplace, large bedrooms, walk-in master closet, upstair laundry room, more! Backyard has built-in BBQ and nice landscaping. Low HOA! 2 car garage plus big driveway. 3 minute walk to parks and award winning Corky McMillin school. Neighborhoods: Otay Ranch Equipment: Range/Oven Other Fees: 0 Sewer: Sewer Connected

Chula Vista CA Home for Sale

FHA & VA approved Beautiful Lake Pointe Townhome built in 2015, stainless steel appliances, beautiful cabinetry, Plantation shutters on all windows, custom paint, laundry room upstairs, tankless water heater, spacious master suite w/ walk-in closet & roomy bedrooms. Community amenities include a pool w/ spa, six outdoor BBQ areas, greenbelt, clubroom and tot lot. walking distance from the breath taking Otay Lakes reservoir and Elite training center. close to great schools, shopping and restaurants to see more pictures see virtual tour http://ranchophotos.com/mls/1544-crown-ln-unit-3/. Neighborhoods: EASTLAKE Equipment: Garage Door Opener Other Fees: 0 Sewer: Sewer Connected Topography: LL

La Mesa CA Home for Sale

Back on the market! This condo is located in a desirable location of La Mesa, close and convenient to everything! Unit is downstairs on the 1st floor and next to the pool. Big 2 bedrooms and 2 baths with garage for 1 car! Quiet and established neighborhood and complex. Must see! Neighborhoods: La Mesa Other Fees: 0 Sewer: Sewer Connected

Spring Valley CA Home for Sale

Totally remodeled city-close and country-quiet, with mountain cabin charm and lots of modern amenities! Hillside home nestled in the trees features a light, bright kitchen with black stainless appliances, natural quartzite counters, all new cabinets, and a large garden window over the huge sink. Vaulted natural stained wood ceilings, breakfast bar, dining area, cozy fireplace, large pantry, well-appointed master suite, and a double car garage. Mature trees and landscaping. huge back yard ! Neighborhoods: Spring Valley Equipment: Garage Door Opener, Range/Oven Other Fees: 0 Sewer: Sewer Connected Topography: LL,GSL,SSLP

Chula Vista CA Home for Sale

Welcome to old world charm & beauty! This historic designated home has wood floors, classic archways, high open beam ceilings, large living room with fireplace, large bedrooms & bathrooms, central AC/heating and much more! The relaxing backyard has a wooden deck. The detached 2 car garage can be used for cars, shed or even possibly convert it to another living unit. There's a long gated driveway for more cars or potential RV parking. You may possibly even save on property taxes with an historic home! Neighborhoods: Chula Vista Other Fees: 0 Sewer: Sewer Connected Topography: LL

Chula Vista CA Home for Sale

Charming cul-de-sac home with astonishing views. Open-concept floor plan perfect for entertainment. Designer kitchen with granite countertops and bedroom and bathroom downstairs. Upstairs you will find master suite along with the other bedrooms. Home features brand new upgrades as covered patio, water tank, artificial grass, custom flooring… and most important, paid-in-full solar panels.Great location with easy access to schools, shopping, dining and freeway. Access to the Clubhouse. Must See! Neighborhoods: Montecito Ridge at Otay Ranch Equipment: Fire Sprinklers Other Fees: 0 Sewer: Sewer Connected Topography: ,,GSL

Chula Vista CA Home for Sale

Charming cul-de-sac home with astonishing views. Open-concept floor plan perfect for entertainment. Designer kitchen with granite countertops and bedroom and bathroom downstairs. Upstairs you will find master suite along with the other bedrooms. Home features brand new upgrades as covered patio, water tank, artificial grass, custom flooring and most important, paid-in-full solar panels. Great location with easy access to schools, shopping, dining and freeway. Access to the Clubhouse. Must See!

San Diego CA Home for Sale

VIEWS! Breathtaking backyard private views for your enjoyment! Beautiful well kept 2 story home located in nice mature neighborhood convenient to everything! Highly upgraded and remodeled including granite counters, kitchen cabinets, baths, windows, paint, and more! Huge master bedroom with its own fireplace is located upstairs with views of Mt. Miguel. 4 bedrooms, 2 bathrooms and 2 car garage with extra parking in driveway and plenty of off-street parking. Must see!. Neighborhoods: Holly Hills Vista Equipment: Range/Oven Other Fees: 0 Sewer: Sewer Connected

Chula Vista CA Home for Sale

Upgraded home for sale in a desirable gated neighborhood of Eastlake, Summit at Eastlake. Well-kept and maintained home with 3 upstair bedrooms and loft, which potentially could be used as a 4th bedroom if desired. Kitchen features maple cabinets, stainless steel appliances, silestone counter tops and a large island. Appliances stay including refrigerator, stove, washer and dryer. There is a built in entertainment cabinet in the family room, recessed lighting and wired for networking. This corner lot home has low maintenance synthetic turf in the backyard, central AC, backyard patio for entertaining, sealed garage floor. Community amenities include pool, park, playground, outdoor cooking grills, fitness center and clubhouse for rent. Close to shopping, dining, schools, walking trails and freeway.

Temecula CA Home for Sale

Open and bright house at the prestigous Morgan Hill Community.This home offer 5bedroom and 4 bathroom,and can be 6bedroom.This home also has solar that lease contract must be transfered to new buyer aprox 150usd per month.Laminate on the 2nd floor and stone on the first floor.Artificial grass landscape for easy maintenence in the front yard and side yard for miniature golf.This home also has balcony and balcony cover. Barn door in the master bedroom. This property has lots of upgradeMust see property.

San Ysidro CA Home for Sale

Beautiful remodeled and updated 2 story townhouse for sale! Located in desirable Robinhood Creek in south San Diego! Stunning new kitchen with new cabinets and quartz countertops. All appliances included - stove, refrigerator, washer, dryer. All furniture is open for sale at deep discount if buyer is interested. Other features include wood and tile flooring, master balcony, and private backyard patio. Convenient and close to everything including schools, shopping, malls like the Las Americas Premium Outlets, dining, freeways, etc. You'll love this nice and clean, well maintained neighborhood. Property has 2 assigned parking spots (one of them being a covered carport), and plenty of visitor parking spots as well. Must see!

San Diego CA Home for Sale

VA approved! FULLY FURNISHED condo for sale in College Area, 5 minutes to SDSU! This unit is one of the few units in the entire complex that has 2 assigned deeded parking spots! One spot is uncovered and the other spot is a covered carport. Most units only have 1 parking spot. This unit features an open floorplan that has good upgrades including nice kitchen cabinets and granite countertops. Comes fully furnished and includes TV, sofa, dining table, beds and appliances. Kitchen comes equipped with stainless appliances including fridge, microwave, dishwasher and stove/oven. Bright open living room. Has private master bathroom and walk in closet. Additional bedroom features mirrored closet doors and is next to the second bathroom. Inside laundry closet. Just a few steps from the elevator.

San Diego CA Home for Sale

VA approved! FULLY FURNISHED condo for sale in College Area, 5 minutes to SDSU! This unit is one of the few units in the entire complex that has 2 assigned deeded parking spots! One spot is uncovered and the other spot is a covered carport. Most units only have 1 parking spot. This unit features an open floorplan that has good upgrades including nice kitchen cabinets and granite countertops. Comes fully furnished and includes TV, sofa, dining table, beds and appliances. Kitchen comes equipped with stainless appliances including fridge, microwave, dishwasher and stove/oven. Bright open living room. Has private master bathroom and walk in closet. Additional bedroom features mirrored closet doors and is next to the second bathroom. Inside laundry closet. Just a few steps from the elevator.

Chula Vista CA Home for Sale

Large house with lots of potential in convenient Chula Vista neighborhood! Located on a corner lot adjacent to a cul-de-sac street. This single story house has 4 bedrooms, 4 bathrooms and a 2 car detached garage. Currently, the house is set up as 2 units (2 bedrooms, 2 bathrooms each), with separate entrances. The new owner can easily convert it back into a single 4+ bedroom house. Has a large lot, potential RV parking, long driveway, close to shopping, freeways, schools and dining. Comes with newer jacuzzi, kitchen appliances and outdoor BBQ grill. Some upgrades throughout house, must see!

San Diego CA Home for Sale

Great minor fixer upper opportunity! Big lot with views in backyard! Perfect house to put your own personalized touches. This is a solid house located on a cul-de-sac street in an established mature neighborhood. Convenient South San Diego location. Currently has 3 bedrooms, 2 baths, and 2 car attached garage. Plus it has a family room addition that can easily be made into 2 additional bedrooms for a total of 5 bedrooms, if you really want to. Or leave it the way it is. All this house needs is an update to the kitchen, new paint and flooring. Huge 10,000 sf lot with views in the backyard. Backyard property line extends downhill beyond fence. Also has a good size front yard with potential for RV or boat parking. Must see!

San Diego CA Home for Sale

Great fixer upper opportunity! Big lot with views in backyard! Perfect house to put your own personalized touches. This is a solid house located on a cul-de-sac street in an established mature neighborhood. Convenient South San Diego location. Currently has 3 bedrooms, 2 baths, and 2 car attached garage. Plus it has a room addition that can easily be made into 2 additional bedrooms for a total of 5 bedrooms, if you really want to. Or leave it the way it is. All this house needs is an update to the kitchen, new paint and flooring. Huge 10,000 sf lot with views in the backyard. Backyard property line extends downhill beyond fence. Also has a good size front yard with potential for RV or boat parking. Must see!

San Diego CA Home for Sale

FHA, VA & Conventional buyers all welcome! Newer construction fully remodeled 2 story townhouse! Located in a convenient central San Diego location, close to freeways, shopping, dining, schools and parks. Gated complex. 2 bedrooms, 2 full baths & 1 car attached garage. Upgrades include wood flooring, granite countertops, premium cabinets, remodeled kitchen and baths, new paint, super clean and ready for move-in! All kitchen appliances included! Private balcony. Community pool, BBQ area and playground. Neighborhoods: Skyline Hills Complex Features: ,, Other Fees: 0 Sewer: Sewer Connected

Chula Vista CA Home for Sale

Priced reduced! Lowest priced 3 bedroom property for sale in Rancho Del Rey! This beautiful remodeled 3 bedroom, 2.5 baths, 2 car garage townhome is ready for a new owner! Located in the desirable and convenient Chula Vista neighborhood of Rancho del Rey, close to schools, restaurants, shopping and parks. Unlike other units that were last sold which were facing the busy H St., this unit is located further inside the complex, in a quiet section away from the traffice noise. Property is in pristine condition, move-in ready. All appliances are included even high-end washer and dryer. Upgrades galore with new top of the line windows, laminate flooring, window blinds, custom paint, garage wall separation with laundry, central AC, AC vent covers, bathroom lights and fans, new french doors, smart thermostat, upgraded kitchen cabinetry and quarts counters, updated bathrooms and more! No mello-roos. Must see!

San Diego CA Home for Sale

Major price reduction! Amazing deal! Beautiful and desirable corner lot single family detached home for sale located in the ultra popular community of Amante Ravenna at 4S Ranch! Priced between $950,000 - $995,000, this is the lowest priced detached home in the entire 4S Ranch community! This home is completely detached and does not have any adjoining neighbors. Truly detached and on its own! Has 3 bedrooms, 2.5 baths and a 2 car garage. First time listed for sale by the original owners, this corner home has one of the largest lots in 4S Ranch compared to similar size homes. Enjoy your very own private backyard and balcony in the second story master bedroom. Located within walking distance to 4S Commons shopping center with their numerous shops, grocery stores and restaurants. Also adjacent to parks, hiking trails and award winning high achieving schools in the Poway school district. As you may already know, the Poway school district is one of the top ranking school districts in the entire San Diego county. Community amenties for you to enjoy include a big beautiful pool, spa, playground, picnic tables and a BBQ area. Dont miss this opportunity to buy your home in an exclusive and sought-after neighborhood close to everything! Priced below market! Check comps! Another house with the same exact size and floorplan on the same street sold for $1,091,000 in July 2022!

San Diego CA Home for Sale

This is the lowest priced 3 bedroom townhouse in the entire San Diego county! This is a townhouse, NOT a condo. There is a difference! Located in a gated complex, this clean well maintained single story corner unit has 3 bedrooms, 2 full bathrooms and a private fenced back patio. You get two assigned parking spots. Some upgrades include central AC & heating, granite kitchen countertops, laminate wood flooring in living room, hallway and all bedrooms, tiled flooring in kitchen and bathrooms, all kitchen appliances included. Home is part of a small private gated community with only 18 total units. Complex has common laundry room, playground and picnic area. Located in a convenient central San Diego location minutes to freeways, parks, schools, shopping and dining. Close to San Diego Zoo, Naval base, National City, Balboa Park and downtown San Diego! Again, this property is not a condo, but a townhouse with no neighbors above or below you. As an end corner unit, it only has one wall adjoining the neighboring unit. It's also a rare single story townhouse, so no more knee pains from cliimbing stairs! Plus it comes with your very own private back patio, great for social gatheriings and space for your pets to roam. Laundry hookups are in the back patio, in addition to a community laundry room. Great starter home or investment property. As an investment, this property can be rented easily for $2,500/month or possibly more. Must see!

San Diego CA Home for Sale

Price reduction! This is the lowest priced 3 bedroom townhouse in the entire San Diego county! This is a townhouse, NOT a condo. There is a difference! Property has 3 bedrooms, 2 full bathrooms, a back patio and is a single story. The main hallway bathroom has a bathtub while the bathroom in the master bedroom has a standing shower stall. This home has two separate individual assigned parking spots, one under a covered carport and the other one is an uncovered spot. Also has central AC & heating. Home is located in a small private gated complex with only 18 total units. Complex is well-maintained, with playground and common picnic areas. Located in a convenient central San Diego location minutes to freeway, parks, schools, shopping, SD zoo, Balboa Park and downtown San Diego! This is not a condo, but a townhouse with no neighbors above or below you. It's also a rare 1 story townhouse, so no more knee pains from cliimbing stairs! Plus it comes with your own private back patio! Has private laundry hookups in the back patio in addition to a community laundry room. Great starter home or investment property. As an investment, this is a great opportunity since this property can be rented for $2,500.month or possibly more.

Bonita CA Home for Sale

CHEAPEST HOUSE FOR SALE IN ALL OF BONITA! LARGE 2 BEDROOM HORSE PROPERTY ZONED FOR LIVESTOCK ON FLAT 1/3+ ACRE LOT, GIANT BACKYARD SPLIT INTO 2 SECTIONS, CIRCULAR DRIVEWAY, LARGE 30X20 GARAGE, RV PARKING WITH MULTIPLE ACCESS POINTS TO BACKYARD. HOME FEATURES DUAL PANE WINDOWS, SOLAR, TILE FLOORING, UPGRADED KITCHEN, GRANITE COUNTERS, STAINLESS STEEL APPLIANCES, REMODELED BATHROOM, TILE SHOWER, RECESSED LIGHTING, GIANT 18X16 LIVING ROOM, 17X16 KITCHEN, CENTRAL A/C LARGE SHED AND MUCH MORE! TAKE A LOOK BEFORE IT IS GONE! Sewer: Sewer Available, Sewer Connected Topography: LL

Spring Valley CA Home for Sale

VA and conventional buyers welcome! Beautiful 2 story remodeled townhouse for sale in Spring Valley! This is a townhouse, NOT a condo. There's a difference. This property has no other unit above or below, plus it has a private backyard patio. This is one of the lowest priced townhouses in the entire San Diego county. Here's your opportunity to own an amazing fully renovated home! Property has 2 bedrooms, 1.5 bathrooms, 2 story with both bedrooms upstairs. There's a full bathroom upstairs and a half bathroom downstairs. Home has an assigned covered carport parking spot. Property was just renovated over a year ago with everything new including kitchen cabinets, stainless steel appliances, quartz countertop, vinyl plank water-proof flooring, carpet on stairs and upstair bedrooms, bathroom vanities, light fixtures, interior paint, dual pane windows and blinds. Also has central AC and heating, along with inside-unit private laundry hookups. Home is located in a small secure gated complex with only 16 total units. Best part, this home has the lowest HOA fees of any attached home in San Diego county! Only $210/month! Not only that, but trash and water are even included! Close to freeways, park, schools, dining and shopping. Must see!

San Diego CA Home for Sale

This is the lowest priced 3 bedroom condo in the entire San Diego county! VA military buyers welcome! There are currently many military owners in this condo complex, so you'll feel right at home if you're a VA buyer! Thank you for your service! This condo has 3 bedrooms, 2 bathrooms and a 2 car tandem garage with private laundry hookups inside your own garage. This condo has been completely remodeled. Don't you hate it when you see a listing that says the property was newly remodeled and only to find out later that it was remodeled last year? Or 2+ years ago? Well, this property just finished being remodeled last week! Everything is new. And the word "new" means what it should mean - never been used. New paint in entire unit, new kitchen cabinets, new kitchen quartz countertops, new undermount sink, new faucet, new stainless steel appliances, new SPC waterproof flooring, new baseboards, new ceiling fans in every room, new dual pane windows, new window blinds, new closet doors, new plumbing everywhere, new bathroom vanities, new bathroom toilets, new bathroom mirrors and lights and fixtures. The best part is that water is included with your HOA fee! So no extra water bill. This condo is also on the 3rd floor, so there's no one above you. Located in a secure gated complex with video surveillance. Close to everything, central San Diego, downtown, freeways, Balboa Park, SD Zoo, Navy base, restaurants, schools, parks - all nearby!

Murrieta CA Home for Sale

Beautiful house for sale in desirable neighborhood of Murrieta! This 2 story home has a bedroom and full bath downstairs. Upgrades include flooring, kitchen cabinets, granite counters, walk-in pantry, travertine tile & more! Includes FREE furniture and appliances - sofa, loveseat, recliner, kitchen table/chairs, refrigerator, washer, dryer, extra fridge in garge, dining set, office furniture & bed, master bed set. No HOA and low property taxes. Close to freeways, schools, parks, shopping and dining! Neighborhoods: Murrieta Other Fees: 0 Sewer: Sewer Connected

Lemon Grove CA Home for Sale

This beautiful single story home, located in a mature and quiet neighborhood of proud homeowners, can now be yours! This property has 3 bedrooms, 2 bathrooms and an attached 2 car garage. Current owners have lived here for the last 10 years and have maintained this lovely home in great condition! The exterior was just painted. Other upgrades include central AC and heating, new front landscaping and driveway expansion. The generous backyard has a patio cover with full surround netting to keep insects away. There are no neighbors in the back. Located in a very convenient and desirable Lemon Grove location, close to trolley station, stores, freeways, dining, parks and schools. Due to its proximity to the trolley station, this home is within a "no electricity outage" zone. Most furniture will come included with this home. Please ask for details. Must see!

San Diego CA Home for Sale

VA approved complex! All buyers welcome including military VA and first time buyers. This is a townhouse, NOT a condo. There is a difference! Located in a gated complex, this single story home has 3 bedrooms, 2 full bathrooms and a private fenced back patio. You get two assigned parking spots. Some upgrades include central AC & heating, laundry hookups, granite kitchen countertops, laminate wood flooring in living room, hallway and all bedrooms, tiled flooring in kitchen and bathrooms, all kitchen appliances included. Home is part of a small private gated community with only 18 total units. Complex has common laundry room, playground and picnic area. Located in a convenient central San Diego location minutes to freeway, Naval base, Petco park, Balboa park, downtown San Diego, local parks, schools, shopping and dining. Again, this property is not a condo, but a townhouse with no neighbors above or below you. As an end corner unit, it only shares one wall with one neighbor. It's also a rare single story townhouse, so no need to cliimb stairs! Plus it comes with your very own private back patio, great for social gatheriings, extra storage or your pets to roam. Laundry hookups are in the back patio, in addition to a community laundry room. Great starter home or investment property. Property has just been painted. Must see!

San Diego CA Home for Sale

VA approved complex! All buyers welcome including military VA and first time buyers. This is a townhouse, NOT a condo. There is a difference! Located in a gated complex, this single story home has 3 bedrooms, 2 full bathrooms and a private fenced back patio. You get two assigned parking spots. Some upgrades include central AC & heating, laundry hookups, granite kitchen countertops, laminate wood flooring in living room, hallway and all bedrooms, tiled flooring in kitchen and bathrooms, all kitchen appliances included. Home is part of a small private gated community with only 18 total units. Complex has common laundry room, playground and picnic area. Located in a convenient central San Diego location minutes to freeway, Naval base, Petco park, Balboa park, downtown San Diego, local parks, schools, shopping and dining. Again, this property is not a condo, but a townhouse with no neighbors above or below you. As an end corner unit, it only shares one wall with one neighbor. It's also a rare single story townhouse, so no need to cliimb stairs! Plus it comes with your very own private back patio, great for social gatheriings, extra storage or your pets to roam. Laundry hookups are in the back patio, in addition to a community laundry room. Great starter home or investment property. P