In this episode, Chris sits down with Matt Genovese, a local Santa Barbara lender, to break down what buyers are actually facing in today’s market — especially at the $2M price point.

They dive into real numbers and real strategies, including:

• What a $2M purchase looks like with 20% down
• How interest rates impact monthly payments
• Cash vs. financing and when each makes sense
• Using gift funds as part of a purchase strategy
• Loan options for 1099 income vs. W-2 buyers
• Local programs, including Cottage Hospital buyer opportunities
• How smart buyers structure deals to stay competitive in Santa Barbara

If you’re thinking about buying, selling, or just want a clearer picture of how high-end purchases are being structured right now, this episode breaks it down in a practical, easy-to-understand way.

📍 Santa Barbara Real Estate
 🏡 Residential • Investment • Local Insight