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Asa Ta Puyo, Cagayan de Oro (2026)

Mis.OR & Bukidnon focused—for now
✔️PRC Accredited and DHSUD Registered Real Estate Salesperson

09/01/2025

A Developer that is Resource Efficient ❓
Italpinas Development Corporation's main goal is passive green and sustainable living. I'm actually quite impressed with their dedication and effort to make energy-efficient developments.
This is on Citta Verde one of their buildings in Primavera city, CDO uptown.

07/01/2025

𝗠𝘆 𝗧𝗼𝗽 𝟯 𝗧𝗼𝘄𝗻𝗵𝗼𝘂𝘀𝗲 𝗣𝗶𝗰𝗸𝘀 𝗶𝗻 𝗖𝗗𝗢 (Basically all of it are located in Lumbia)

❓Why are most economic housing there? Developments in Lumbia focus on middle-income families desiring homes near schools and workplaces, particularly in the Uptown area of Cagayan de Oro.

❓Why not in Downtown CDO? Congestion and Limiting space makes it harder for developers to build economic housing. We have one project there but will make a separate post about it.

𝗧𝗼𝗽 𝟭 𝗧𝗶𝗲𝗿𝗿𝗮 𝗡𝗮𝘃𝗮 𝗟𝘂𝗺𝗯𝗶𝗮 𝗯𝘆 𝗝𝗼𝗵𝗻𝗱𝗼𝗿𝗳 𝗩𝗲𝗻𝘁𝘂𝗿𝗲𝘀

📌Brgy. Lumbia Cagayan de Oro

𝗪𝗵𝘆?
✔️The choice of color schemes made the whole subdivision look vibrant and pleasing to look at dyud.
✔️Quality of Turnover
✔️The only townhouse project with walls at the service area. Exclusive & separate na sa luyo.
✔️Flat Terrain, ease of movement for pedestrians, cyclists, and drivers alike, makes it ideal for leisurely strolls and such.
✔️No move-in fees
✔️Fast Turnover

𝗖𝗼𝗻𝘀?
🤷🏻 medyo distansya Siya compared sa 2 projects

𝗖𝗼𝗻𝘀𝘁𝗿𝘂𝗰𝘁𝗶𝗼𝗻 𝗧𝘆𝗽𝗲: Pre-cast concrete technology
LOT Area: 40 sqm
FLOOR Area: 36 sqm

🔰Deliverables: 2 storey Bare Type unit, 1 toilet & bath (complete accessories), parking area, service area
Amenities: Parks & Playgrounds, Clubhouse, 24 Hour Security, and Gated with Guardhouse

🔰Available units: Ready for occupancy (Need approved home loan & fully paid equity before move-in)

🔰Water: Own water system
🔰Electricity: CEPALCO

𝗣𝗿𝗶𝗰𝗲 𝗦𝗮𝗺𝗽𝗹𝗲 𝗳𝗼𝗿 𝗶𝗻𝗻𝗲𝗿 𝘂𝗻𝗶𝘁: (PagIBIG Financing)
Total Package: 2,340,000.00
Equity&MF @ 32 mo. total of 265,000.00 or 8,281.25 Monthly

Loanable Amount: 2,040,000.00
Est. Monthly Amort: 12,560.63
Required Income: 50,000.00

*𝘋𝘶𝘢𝘭 𝘢𝘮𝘰𝘳𝘵𝘪𝘻𝘢𝘵𝘪𝘰𝘯 𝘢𝘱𝘱𝘭𝘪𝘦𝘴, 𝘢𝘯𝘥 𝘱𝘳𝘪𝘤𝘦𝘴 𝘢𝘳𝘦 𝘴𝘶𝘣𝘫𝘦𝘤𝘵 𝘵𝘰 𝘤𝘩𝘢𝘯𝘨𝘦 𝘸𝘪𝘵𝘩𝘰𝘶𝘵 𝘯𝘰𝘵𝘪𝘤𝘦*
_______________________________
𝗧𝗼𝗽 𝟮 𝗦𝘂𝗺𝗺𝗲𝗿𝘃𝗶𝗹𝗹𝗲 𝗣𝗵𝗮𝘀𝗲 𝟮 𝗯𝘆 𝗟𝗶𝗯𝗲𝗿𝘁𝘆 𝗟𝗮𝗻𝗱 𝗖𝗼𝗿𝗽𝗼𝗿𝗮𝘁𝗶𝗼𝗻𝘀

Upper Palalan, Lumbia, Cagayan de Oro City

𝗪𝗵𝘆?
✔️Closer proximity to schools, and commercial establishments.
✔️Gawas subdivision naay daghan pilian na transpo (Taxi, Tricab, & Jeep)
✔️mix of wood and concrete and staircase mas lig-on
✔️With ceiling na
✔️Mas limpyohan ko sa turnover niya compared to the 2 Townhouses

𝗖𝗼𝗻𝘀?
🤷🏻Not allowed mag gate, only canopy is allowed
🤷🏻Moagi paka sa Phase 1 summerville to enter Phase 2

𝗖𝗼𝗻𝘀𝘁𝗿𝘂𝗰𝘁𝗶𝗼𝗻 𝗧𝘆𝗽𝗲:
LOT Area: 44 sqm
FLOOR Area: 36.6 sqm

🔰Deliverables: 2 storey Bare Type unit, 1 toilet & bath (complete accessories), parking area
🔰Amenities: Children's Playground, Clubhouse, 24 Hour Security, Basketball Court, & Landscaped Parks
🔰Unit Status: On-going Construction (Need approved home loan & fully paid equity before move-in)
🔰Water: KEWSC
🔰Electricity: CEPALCO

𝗣𝗿𝗶𝗰𝗲 𝗦𝗮𝗺𝗽𝗹𝗲 𝗳𝗼𝗿 𝗶𝗻𝗻𝗲𝗿 𝘂𝗻𝗶𝘁 (PagIBIG Financing):

Total Package: 2,050,000
Equity&MF @ 24 mo. total of 380,738.11 or 15,864.09 monthly
Loanable Amount: 2,523,070
Est. Monthly Amort: 11,733.31 (30 years)
Required Income: 37,700

📝Has Move-in Fees (18k-20k estimate)

*𝘋𝘶𝘢𝘭 𝘢𝘮𝘰𝘳𝘵𝘪𝘻𝘢𝘵𝘪𝘰𝘯 𝘢𝘱𝘱𝘭𝘪𝘦𝘴, 𝘢𝘯𝘥 𝘱𝘳𝘪𝘤𝘦𝘴 𝘢𝘳𝘦 𝘴𝘶𝘣𝘫𝘦𝘤𝘵 𝘵𝘰 𝘤𝘩𝘢𝘯𝘨𝘦 𝘸𝘪𝘵𝘩𝘰𝘶𝘵 𝘯𝘰𝘵𝘪𝘤𝘦*
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𝗧𝗼𝗽 𝟯 𝗟𝗮 𝗔𝗹𝗱𝗲𝗮 𝗱𝗲𝗹 𝗥𝗶𝗼 𝗯𝘆 𝗣𝘂𝗲𝗯𝗹𝗼 𝗱𝗲 𝗢𝗿𝗼
Brgy. Lumbia Cagayan de Oro
𝗪𝗵𝘆?
✔️Green landscapes
✔️Fast Turnover
✔️Plus sa naay view(selected blocks) and hangin (not all the time)
✔️Blue and neutral colors makes the unit look refreshing

𝗖𝗼𝗻𝘀?
🤷🏻No wall partition sa likod unlike tierra nava
🤷🏻Slight downhill for other block location (To ensure Flood Free zone)
🤷🏻Miscellaneous fees for PagIBIG home loan option is separate sa equity makes the monthly bug-at (mas reco nako PagIbig financing kay lower ang interest rate compare to bank)

𝗖𝗼𝗻𝘀𝘁𝗿𝘂𝗰𝘁𝗶𝗼𝗻 𝗧𝘆𝗽𝗲: Pre-cast concrete technology
LOT Area: 44 sqm
FLOOR Area: 44 sqm

🔰Deliverables: 2 storey Bare Type unit, 1 toilet & bath (complete accessories), parking area
🔰Amenities: Children's Playground, Clubhouse, 24 Hour Security, Basketball Court.
🔰Unit Status: On-going Construction (Need approved home loan & fully paid equity before move-in)
🔰Water: Pueblo de Oro water supply
🔰Electricity: CEPALCO

𝗣𝗿𝗶𝗰𝗲 𝗦𝗮𝗺𝗽𝗹𝗲 𝗳𝗼𝗿 𝗶𝗻𝗻𝗲𝗿 𝘂𝗻𝗶𝘁 (Bank Financing): *confusing ang price comp for HDMF which will make this post longer so for now Bank muna*

Total Package: 2,655,863.33
Equity @ 12 mo. total of 117,793.19 or 9,816.10 monthly
Loanable Amount: 2,523,070
Est. Monthly Amort: 17,642 (30 years)
Required Income: 50,000.00

📝Has Move-in Fees (18k-20k estimate)

*𝘋𝘶𝘢𝘭 𝘢𝘮𝘰𝘳𝘵𝘪𝘻𝘢𝘵𝘪𝘰𝘯 𝘢𝘱𝘱𝘭𝘪𝘦𝘴, 𝘢𝘯𝘥 𝘱𝘳𝘪𝘤𝘦𝘴 𝘢𝘳𝘦 𝘴𝘶𝘣𝘫𝘦𝘤𝘵 𝘵𝘰 𝘤𝘩𝘢𝘯𝘨𝘦 𝘸𝘪𝘵𝘩𝘰𝘶𝘵 𝘯𝘰𝘵𝘪𝘤𝘦*

Reminder: No developer is perfect, so expect some hiccups along the way. So let's pick our poison.

You can reach out for more inquiries by simply messaging me here through my Page👍🏼

06/01/2025

𝙉𝙜𝙖𝙣𝙤𝙣𝙜 𝙙𝙞𝙡𝙞 𝙢𝙖𝙣 𝙢𝙤 𝙪𝙜 𝙏𝙤𝙬𝙣𝙝𝙤𝙪𝙨𝙚?

Usa dyud sa mga mabasa/madunggan nako makakitag townhouse kay: ‘Ay, dikit-dikit man’ or ‘Dikit-dikit lang siya ma’am no?’

Well, TAMA man pud😆.

It's completely normal to have preferences. Each one of us has our own idea of a dream home. But, townhouses aren’t that bad guys. They’re still inside a subdivision with amenities, secured, AND what some of us CAN afford.

Did you know that at the price of 2.2- 2.6M the required gross income for our townhouses now in CDO ranges from 40k-50k? YES, that's the most affordable we can get. NOT to mention how most of them since build na, naa tay ginatawag na double amortization. Wherein sabay na nimo bayran ang equity & amortization from whichever financing (bank or PagIBIG)—refer below about this. So, not entirely affordable? depends on your capacity.

Townhouses usually naa siya sa cities especially sa US that are densely populated just like here sa CDO. This is to address the need for housing projects, that is cost-effective & space-efficient. If DILI dyud bet ang townhouse tapos gusto same price na dili dikit-dikit, naa sa MANOLO single attached 3 bedrooms if dili issue ang location.

Bitaw, I know CDO ang prefer kay naa dire panginabuhi, family & syudad basically. If ever ang fit sa budget kay for townhouse & goal nadyud nimo maka-balay. Let’s pick our poison. Dili raman house ang atoang concern but also our peace of mind from BAHA and SUNOG. Let's look at the brighter side. You might be thinking, ‘dikit dikit man so mas prone siya sa sunog?’ Di mabalaka, the chances are relatively low dyud but never zero😬hoiee bitaw niagi nanag strict regulation guys before na approve ang plan.

The Pros & Cons of a townhouse↓

𝗣𝗥𝗢𝗦
• Affordable
• With amenities( Clubhouse, park, guardhouse)
• Within the CITY
• Distance sa fear of baha and sunog
• Ang community

𝗖𝗢𝗡𝗦
• Dikit-Dikit
• Bare type ang unit so you have to be creative on how to design your house ( if praktikal simple lang muna)
• The community (either ka timing mog medyo noisy na neighbors or grabee rasab ka mingaw) kadungog nako ani na reklamo before di dyud ta kadaog.

If nakapuyo mog townhouse ron what’s something you agree or disagree from my post? And, how’s your experience living in a townhouse community? Feel free to share.

I will also post next my TOP 3 townhouses sa CDO, along with the necessary details.This is for people that are considering getting a house sa CDO na affordable pero quality pud. Aron pag basa ninyo igo nalang mo mag huna huna sa gilid ug “asa ta puyo?”

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𝗨𝗻𝘀𝗮 𝘁𝗼𝗻𝗴 𝗗𝗼𝘂𝗯𝗹𝗲 𝗔𝗺𝗼𝗿𝘁𝗶𝘇𝗮𝘁𝗶𝗼𝗻?

Sa Total price sa unit (for example) ang 20% kay ang equity. Kay dili man pwede whole amount eh loan sa financing. Ang 80% will be loaned sa Bank or PagIBIG. Since dili man nato kaya halosa ang dagko na downpayment. Ma installment si equity (let’s say) 24 months to pay & imong monthly (for example) is 8k. While imong estimated monthly amortization sa Pag-Ibig kay 12k (30 years).

Let’s say nag reserve ka ron? 30 days after sa reservation nimo ang monthly equity una bayran (mostly through PDC’s) fix date na every month and katong 30 days mao toy panahon nimo mag pass sa necessary requirements for home loan. Once ma approve estimate sa Pag-IBIG 3-6 months. Then start napud si monthly amortization sa imong housing loan. So, 8k + 12k = 20k. Mao na dayun imong monthly.

05/01/2025

𝗧𝗛𝗘 𝗢𝗩𝗘𝗥𝗦𝗘𝗟𝗟𝗜𝗡𝗚 𝗢𝗙 𝗖𝗢𝗡𝗗𝗢𝗦 𝗜𝗡 𝗖𝗗𝗢 𝗔𝗦 𝗣𝗔𝗦𝗦𝗜𝗩𝗘 𝗜𝗡𝗖𝗢𝗠𝗘 𝗜𝗡𝗩𝗘𝗦𝗧𝗠𝗘𝗡𝗧: 𝗠𝗬 𝗛𝗢𝗡𝗘𝗦𝗧 𝗧𝗔𝗞𝗘 𝗔𝗦 𝗔 𝗥𝗘𝗔𝗟𝗘𝗦𝗧𝗔𝗧𝗘 𝗔𝗚𝗘𝗡𝗧👇*super long post ahead*

I want to share my take on this, especially with the increasing number of upcoming condos in CDO. While my fellow agents and brokers might not appreciate this, as a real estate salesperson, I dislike overly promoting condos as rental opportunities or passive income investments. When it should only be considered as one part of its overall advantages.

We have a number of success stories who have made it on a condo rental business. But, I hate to break it to some people here, it's NOT for everybody. It's not that you can't do it, well gradually you can learn it. HOWEVER, while you can learn it, Kwarta sab nimo imong gina gamble dire and your time. Maytag walay risk factor like a certain amount of money kay we can have a room for error. Pero, not all us maayo mo hawid ug money, not all of us have the discipline, the diskarte sa business, & are earning 6 digits per month.

Imagine If a lot of you would go for rentals, that would cause high supply leading to low demand. You'd end up lowering your rentals just for the sake of it to be rented. CDO will have more condominiums/condotels developed soon. You're gonna have a LOT of competitors.

Daily Rentals/Airbnb has a potential but then again it's a business, if your agents promised you that it will be a great way for you to profit. YOU yourself have to LEARN it first, don't engage unto something just because of the enticing offers from agents. Know what's your purpose in buying, run the numbers, & analyze the details sent to you by your agents. We have different risk appetites. We have different priorities in life as well. So, if things go south you can't easily liquidate your property. You can't freestyle your way on to this unless you're not scared of losing money. Price will surely appreciate over time, but when you use it as your last resort while the market is not great you'll have to sell it low.

Don't risk your remaining funds and hard earned money. There are other types of businesses you can do. REMEMBER High Risk, High Return and Long time Horizon. Do yourself a favor if you don't wanna end up giving UP your condo in the future. IT WILL take you decades before you could get an ROI. It's a LONG TERM investment.

That's why I focus on selling condos as a lifestyle choice for my clients to LIVE in not for passive income investment. It's up to the client if they decide to venture renting/airbnb.

To my fellow agents(Not All), please don't just sell. Be Honest with your clients. Not all clients are knowledgeable enough in this field. Send them the details they need to know and don't scare or force them if kita ninyo na dili kaya.

To clients, start small. Want a rental property? Try lowcost housings/socialized housing. Affordable for you and you can rent it out affordable to future renters. Research mo guys naay mga maayo sa Airbnb/rentals nga ga content sa social media. You can learn through research dyud. Think of creative ways to maximize your finances ug mo risk ka sa condo for future rentals/Airbnb. Find an exit strategy.

A business is not something you just do because you heard it's gonna be profitable. Not everyone is business wise, unfortunately. YES most billionaires in the philippines became rich because of real estate but that's because they have the diskarte, guts & brains for it. If naa dyuy calling & feel dyud nimo na Kaya, DO YOUR RESEARCH👍🏼Think twice, thrice and leave it up to God. Cause no matter how affordable the reservation fee or Monthly Equity that's NOTHING when you can no longer sustain it especially with the amortization.

If we have condo owners here please share your experiences or tips for future buyers. It's 2025, let's help each other out.

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Cagayan De Oro
9000

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