If You Can Buy in San Francisco Right Now, Don't Let a Hypothetical Talk You Out of It

If you're in a position to buy in San Francisco right now, I want you to sit with that for a second.

That's not a small thing. You're not just buying a home — you're buying into one of the most resilient real estate markets in the country. A city that has absorbed every tech cycle, every rate shock, every moment of collective doubt, and kept going. That's worth acknowledging before the anxiety sets in.

About those AI IPO texts you're getting

I know. My phone's been lighting up with it too. "Wait for the IPO wave." "New money is coming." "Prices are going to go crazy." The short answer: those IPOs haven't happened yet.

And when they do? The newly liquid tech employees won't have instant access to that money anyway. Shares are typically locked up for 90 to 180 days post-IPO. The wave — if it comes — doesn't arrive overnight, and it certainly doesn't arrive on anyone's schedule but its own.

So here's the real question: are you going to put your family's life on hold waiting for a hypothetical to compete you out of a decision that makes sense right now?

What I know about being in your shoes

I'm not just a realtor who works in San Francisco. I'm someone who has lived the exact season of life many of my buyers are in — professional, busy, needing more space, trying to make a decision that works for the whole family, not just a spreadsheet. I understand that the hesitation isn't really about IPOs or interest rates. It's about making the right call, at the right time, without regret.

That's a real feeling. And it deserves a real conversation — not noise.

My advice if you're on the fence

Get informed. Not from the headlines, not from the group chat, not from whoever is waiting to see what happens. Talk to people who know this market, who will tell you what you need to hear — not what sounds reassuring in the moment.

Then make the move that makes sense for your life. Not theirs.

Not sure if 'right now' applies to you? Let's look at your specific numbers before the hypotheticals talk you out of a real opportunity.