Salem & the Willamette Valley

Own a new construction
2–4 unit property in the
Willamette Valley —
with as little as $25,000 down.

Montgomery Asset Group finds the land, secures the loan, runs the numbers, and builds your 2–4 unit investment property. Done for you.

Start the conversation See how it works

Why real estate builds wealth

Four engines working simultaneously

Unlike stocks or savings accounts, income-producing real estate builds wealth through four forces at once — none of which require you to do anything after closing.

01 — Cash flow

Monthly income

Your tenants pay your mortgage and then some. Rental income above your expenses goes directly into your pocket every month — whether you're at work or on vacation.

02 — Appreciation

Rising value

Willamette Valley property values have historically increased 4–6% annually. Your $25k down payment leverages the full asset's appreciation — not just your equity stake.

03 — Loan paydown

Equity buildup

Every month your tenants pay rent, a portion retires your mortgage principal. You're building equity automatically — with someone else's money funding every payment.

04 — Depreciation

Tax shelter

The IRS lets you write off the building's value over 27.5 years. A cash-flowing property can show a "loss" on paper — reducing your taxable income while you're actually making money.

Why new construction

Stop inheriting other people's problems.

Resale properties come with deferred maintenance, outdated systems, and surprise repairs. New construction gives you a clean asset — and lets you build in equity before the first tenant signs a lease.

01

Equity from day one

When you build at cost, you own below market value the moment construction completes. That's instant equity — without finding a distressed deal or negotiating with a desperate seller.

02

No surprise repairs

New roof, new plumbing, new electrical, new HVAC. For the first decade, your maintenance costs are near zero. Everything is under warranty from day one.

03

Higher rents, better tenants

New construction commands a rental premium. Tenants prefer modern finishes and move-in-ready units — which means less vacancy, faster leasing, and more income each month.

04

Built to your numbers

We run the pro forma before we break ground. Unit mix, rental income, loan payments, and returns are all dialed in from the start — not reverse-engineered after the fact.

Who we work with

Two paths. One destination.

Whether you're buying your first property or adding to a portfolio, Montgomery Asset Group builds the same high-quality product. The structure of how you own it is what changes.

The house hacker

Reduce your housing costs while your property builds wealth

You want to stop renting and start owning — but you don't have a large down payment. Owner-occupied loans let you buy a new duplex or triplex with as little as 3.5% down, move into one unit, and rent the others. Your tenants cover your mortgage.

Minimum down3.5–5% (FHA / Conventional)
Typical cash needed$25,000 – $50,000
Loan typeOwner-occupied FHA or conventional
You live inOne unit — rent the rest
Tenants coverMost or all of your mortgage
Best forFirst-time buyers & anyone paying rent today
The wealth builder

Add new construction assets below market value

You have capital and income, and you want to own high-quality real estate without overpaying on the open market or managing a renovation. Put 20–25% down and own a brand-new cash-flowing income property from day one.

Minimum down20–25% (Conventional investment)
Typical cash needed$120,000 – $180,000
Loan typeConventional investment property
You ownFully rented income property
Day-one equityBuilt in — cost vs. market value
Best forHigh earners & investors scaling a portfolio

How it works

Six steps from conversation to keys

We handle every step of the process. Your job is to show up to the strategy call, make a few key decisions, and let us build.

1

We meet and map your goals

A strategy call with Jaryn. We talk through your timeline, budget, what you're trying to own, and whether the numbers make sense for your situation. No commitment, no pressure — just clarity.

2

We find the land

Our team sources lots across Salem and the Willamette Valley that pencil for 2–4 unit new construction. We run the numbers on each site before bringing it to you.

3

We connect you with the right loan

Whether you're using an FHA owner-occupied loan at 3.5% down or a conventional investment product at 20%, we connect you with lenders who specialize in new construction financing — and guide you through the process.

4

We run the numbers

Full pro forma before we break ground — build cost, land cost, projected rents, cash-on-cash return, and your day-one equity position. You know exactly what you're getting into before you commit.

5

We design and build it

Montgomery handles design, permits, subcontractors, and construction management start to finish. You get monthly photo and progress updates. You never have to set foot on the job site unless you want to.

6

You receive the keys

A brand-new, rent-ready property delivered on schedule. Move in, lease the units, and start building wealth. Everything is under warranty, nothing needs fixing, and your returns are already underwritten.

Jaryn's Albany duplex — completed project

Case study — Jaryn's duplex, Albany OR

$597k in.
$750k out.
$153k in equity
before a single rent check.

Jaryn didn't just design this program — he proved it with his own money. He purchased a lot in Albany for $80,000, built a full duplex for $517,000 all in, and received an appraisal of $750,000 at completion.

That's $153,000 in built-in equity at closing — before the first tenant signed a lease or paid a dollar in rent. This is the exact model Montgomery brings to every client build.

$597k
Total all-in cost
$750k
Appraised value
$153k
Day-one equity
What MAG handles for you
✓
Plans & Design
Architectural drawings, layout, and unit design
✓
Permits & Approvals
City submittals, inspections, and sign-offs
✓
Budget & Financing
Pro forma, cost estimates, and lender coordination
✓
Construction & Timeline
Full build management, subs, and scheduling
✓
Ongoing Updates
Regular progress reports so you're never in the dark

About the founder

Jaryn Montgomery

Founder, Montgomery Asset Group

Jaryn has spent nine years in the construction industry managing tenant improvements, commercial renovations, and ground-up builds across the Willamette Valley. He's not a marketer who found real estate — he's a builder who became an investor.

He owns $5 million in real estate across projects he personally developed, renovated, and continues to operate today. His own Albany duplex — the case study above — is live proof of concept for everything Montgomery offers. He built it with his own money, appraised it, and uses it as the benchmark for every client project.

When you work with Montgomery, you're working directly with someone who has skin in the game, knows how to run a job site, and thinks about your returns the same way he thinks about his own.

9 yrs
Construction experience
$5M
Personal portfolio
Active
Still investing today
"

I had Jaryn build a duplex for me and he handled everything. He took it through design and getting the plans approved, and then set up the loan and did all of the construction. I got updates as progress went along and it was all finished within about 5 months. I work in real estate but these are all things that would have taken me much longer to learn and try to do and cost me way more money than just handing it off for Jaryn to help me.

Trevor Howard  ·  Salem, OR  ·  Real estate investor

Get started

Let's find out if this makes sense for you.

The first step is a conversation. Fill out the form and we'll schedule a strategy call with Jaryn to talk through your goals, budget, and timeline.

Strategy call with Jaryn directly
Custom pro forma built for your situation
No obligation until you're ready to move forward
Salem and Willamette Valley land sourcing included