The Negotiator's Market: Why Now Is The Time To Buy Before Rates Drop | Real Estate Market Update w/ Martin Perdomo
Fri Sep 05 2025
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Ready for a real estate reality check? The extreme market swings we've witnessed for years are finally settling into something resembling balance. In the notoriously volatile Bay Area, median home prices have dipped 4% to $1.3 million, homes are sitting for 30 days instead of 18, and only one in five properties faces a bidding war—down dramatically from the two-thirds that sparked frenzies in 2021.
This cooling trend creates a strategic window for prepared investors and homebuyers. While today's 6.58% mortgage rates have lowered typical monthly payments to $2,668 (the lowest in seven months), buyer demand remains surprisingly muted. The smart money sees this hesitation as opportunity. Sellers don't want their homes lingering for 40+ days, creating leverage for negotiating concessions, closing credits, and rate buy-downs that simply weren't possible during the pandemic boom.
What makes this moment particularly significant are the demographic shifts reshaping the housing landscape. Homeownership among 25-34 year olds sits at just 39%, while nationwide rentership has climbed to 36%—its highest level since 2016. Combined with JP Morgan's prediction of four Federal Reserve rate cuts by year-end, we're looking at a potential strategic sweet spot: buy with negotiating power now in a cool market, then refinance when rates drop. Remember the fundamental truth of real estate: when rates decrease, prices typically increase as affordability improves. Most consumers buy mortgage payments, not houses—meaning this window of opportunity won't stay open indefinitely. As I tell my students: words are loud, but numbers scream. And right now, the numbers are screaming opportunity for those willing to move while others wait. Follow me on Instagram @TheEliteStrategist for more market insights and strategies to navigate this shifting landscape.
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Send us a text Ready for a real estate reality check? The extreme market swings we've witnessed for years are finally settling into something resembling balance. In the notoriously volatile Bay Area, median home prices have dipped 4% to $1.3 million, homes are sitting for 30 days instead of 18, and only one in five properties faces a bidding war—down dramatically from the two-thirds that sparked frenzies in 2021. This cooling trend creates a strategic window for prepared investors and homebuyers. While today's 6.58% mortgage rates have lowered typical monthly payments to $2,668 (the lowest in seven months), buyer demand remains surprisingly muted. The smart money sees this hesitation as opportunity. Sellers don't want their homes lingering for 40+ days, creating leverage for negotiating concessions, closing credits, and rate buy-downs that simply weren't possible during the pandemic boom. What makes this moment particularly significant are the demographic shifts reshaping the housing landscape. Homeownership among 25-34 year olds sits at just 39%, while nationwide rentership has climbed to 36%—its highest level since 2016. Combined with JP Morgan's prediction of four Federal Reserve rate cuts by year-end, we're looking at a potential strategic sweet spot: buy with negotiating power now in a cool market, then refinance when rates drop. Remember the fundamental truth of real estate: when rates decrease, prices typically increase as affordability improves. Most consumers buy mortgage payments, not houses—meaning this window of opportunity won't stay open indefinitely. As I tell my students: words are loud, but numbers scream. And right now, the numbers are screaming opportunity for those willing to move while others wait. Follow me on Instagram @TheEliteStrategist for more market insights and strategies to navigate this shifting landscape. Support the show Introducing the 60-Day Deal Finder! Visit: www.wealthyaf.media Use the Coupon Code: WEALTHYAF for 20% off!