Six 2026 Housing Predictions: Why San Francisco Won’t Play by National Rules
National forecasts paint a calm picture for 2026, but San Francisco plays by its own rules. With renewed demand, limited inventory, and AI-driven job growth, The City is positioned to outperform the country again. Think of the national forecast as the weather report. This is the microclimate version.
Why Private Listings Are Usually a Terrible Idea for San Francisco Sellers
Private listing networks promise exclusivity, but the reality in San Francisco is far more costly. Homes sold privately average an eighteen-percent loss compared to publicly marketed listings. Sellers lose visibility, buyers lose access, and the market loses the competitive pressure that creates true value. Transparency isn’t a luxury here. It’s the only way to protect a seller’s equity.
San Francisco New Development: What Q3 2025 Says About Where The City Is Headed
New development is where you can feel San Francisco’s confidence returning. Q3’s numbers show buyers leaning toward modern design, efficiency, and buildings that support the next decade of their lives. From boutique projects in Russian Hill to skyline towers downtown, demand is gathering in ways that reveal who is buying, where they’re buying, and why. The City isn’t rushing back. It’s rebuilding with intention.
In San Francisco, the home you choose shapes the life you live.
Buying a home in San Francisco isn’t just about numbers. It’s about choosing the rhythm of your next chapter. Neighborhoods here shape identity, routine, and the life you want to grow into. The smartest decisions happen when the investment makes sense and the lifestyle feels right. In The City, you’re never just buying a home. You’re choosing a life.
The Season That Didn’t Slow Down: San Francisco’s Unexpected Price Surge
In a month that usually cools, San Francisco’s housing market did the opposite. November brought higher prices, tighter inventory, and AI-fueled demand that pushed buyers back into competition and set the stage for a very active start to 2026.
The Investment Moment No One Is Talking About in San Francisco Real Estate
San Francisco didn’t glide into its usual holiday slowdown this year. Instead, the market picked up speed. From multi-unit buildings drawing heavy interest to homeowners reimagining unused space, something real is shifting beneath the surface. The City evolves quietly… but the signs are everywhere for those paying attention.
A New Chapter for San Francisco Real Estate (Except we’ve been Here Before!)
San Francisco’s real estate market is alive again, with home sales and prices reaching their highest levels in years. In October, sixty-one percent of homes sold over asking and luxury sales passed one hundred across the Bay Area. Confidence is back, buyers are competing, and The City has found its rhythm once more after years of hesitation.
The Real Reasons Why People Buy Luxury Real Estate in San Francisco and Beyond
San Francisco’s luxury real estate market is thriving again, with renewed energy from tech, AI, and international buyers. From Pacific Heights to St. Francis Wood, homes aren’t just selling — they’re redefining what it means to live beautifully in The City. Here’s why people invest in luxury real estate here and beyond.
AI Companies Are Paying the Rent: How Tech Perks Are Shaping San Francisco’s Housing Market
AI companies footing the bill for San Francisco rent? Sounds about right. Several firms are now offering housing stipends or free apartments to lure top talent—and it’s already rippling through the housing market. When a company covers your rent, it changes your buying power and shifts entire neighborhoods. San Francisco’s housing story keeps evolving, and this chapter might be one of its most fascinating yet.
Bridging the Gap: Real Stories of Smart Moves
In San Francisco, timing is everything. Bridge loans let homeowners unlock the equity in their current home to buy the next one—without juggling two closings or missing the perfect opportunity. Here’s how they work, when to use them, and why they’re a game-changer for The City’s market.
TICs in San Francisco: What They Are, Why They Exist, and How to Buy One Without Losing Your Mind
TIC ownership in San Francisco sounds simple until you try to explain it. From fractional financing to condo conversion myths, here’s what you need to know about Tenancy in Common ownership in The City—what works, what doesn’t, and when it makes sense.
Flashback Friday: The Relic Returns
Welcome back to Flashback Friday—a series where I share some of my favorite weird, wonderful, and occasionally hidden stories from San Francisco’s past. And this time, it’s personal! 💛
It’s been a while since I’ve posted — February, to be exact. Spring swept me up in the best way: helping clients buy, sell, pivot, and build new chapters. I didn’t mean to go quiet. But then, while digging through a box at my mom’s house, I found this — my very first business card from Zephyr Real Estate, circa 2006. Two decades…
Home Insurance in SF: What You Don’t Know Can Cost You
For San Francisco homeowners, home insurance isn’t just about coverage anymore—it’s about whether you can even get a policy in the first place. With major insurers pulling out of California, canceling policies, and refusing to write new ones, many property owners are left scrambling. If you haven’t checked your policy lately, now’s the time. Because surprise—just because you had coverage last year doesn’t mean you still do.
Home Insurance in California: Who’s Still Writing Policies (and What You Need to Know)
If you’re a homeowner or a buyer in The City, insurance is no longer something you can take for granted. Between major insurers pulling out of California, canceling policies, and refusing new coverage, plus older homes with “red flag” features like knob-and-tube wiring, trying to secure a policy can feel downright intimidating.. If you haven’t checked your policy lately, you should.
What’s Next for Interest Rates? A Valentine’s Eve Look at the Market
It’s February 13th, which means tomorrow is Valentine’s Day and a Friday, so expect crowded restaurants, overpriced prix fixe menus, and an influx of engagement photos on your feed. But for those of us keeping an eye on interest rates, inflation, and the housing market, the real love story (or heartbreak) is happening in the economy.
Flashback Friday: The Holy City Zoo, Robin Williams, and the Magic of San Francisco
Welcome back to Flashback Friday—a series where I share some of my favorite weird, wonderful, and occasionally hidden stories from San Francisco’s past. This City is full of history, but beyond the landmarks and famous addresses, it’s the people who have made it truly special.
Lately, everyone’s been buzzing about the recent sale of Robin Williams’ former home at 540 El Camino Del Mar in Sea Cliff for $18 million. But while the headlines focus on the price tag, I can’t help but think about the man himself—his legacy, his impact, and the magic he brought to San Francisco. Long before he became a household name, Robin Williams was just another comedian trying to make people laugh. And he did that in one of the most legendary, yet under-appreciated, spots in San Francisco history—The Holy City Zoo.
Buying a Home in San Francisco: Are You Ready for It?
So… you’re contemplating buying a home in San Francisco, huh? It’s a big step, and whether you’re 25 or 75, it feels like the ultimate adulting move. Your mom’s already dreaming of grandkids (because owning property obviously leads to that 🙄), your dad’s holding out for those mythical 2% interest rates, your accountant’s eyeing tax benefits, and your mortgage broker’s assuring you that current rates are “pretty average”—whatever that means. Meanwhile, your realtor keeps reminding you about that SoMa loft you liked 131 days ago, which, after five price drops, just went under contract yesterday. For less than the latest asking price. Typical. 😒
Introducing Clinton Higginbotham: The LubaSF Team’s Part-Time Prodigy
When I decided to bring on an assistant to help with the many moving parts of real estate, it didn’t take long to think of the perfect person—Clinton Higginbotham. Clinton isn’t just any assistant; I’ve known him since he was in kindergarten. I’ve watched him grow into a driven, sharp, and curious young man, and now he’s a part-time member of the LubaSF team while finishing his senior year at Sacred Heart Cathedral in San Francisco.
SELLING STORIES: Health Issues - Adapt or Move
Sometimes life throws a curveball, making health a priority in deciding where and how you live. In a vibrant location like San Francisco, addressing health needs might prompt you to reassess your living situation. Whether it’s simplifying your home’s layout, moving closer to medical facilities, or seeking a more accommodating environment, let’s explore when it’s the right time to adapt or move.
SELLING STORIES: Financial Changes - Riding the Roller Coaster (Part 2: Mo Problems)
When it comes to roller coasters, the drops can be exciting; in real estate, they can feel devastating. Unexpected drops in your financial situation can make your stomach lurch. When financial realities hit hard and fast, understanding your options becomes paramount. Let's get serious about loan modifications, short sales, and foreclosures—key tools that can help you stay on track when the financial ride gets rough.