Where Do Sex and Real Estate Meet?

At home, of course!

It’s probably first on the list of places where the former and the latter intersect.

“Sex and Real Estate: Get Lots While You’re Young” is the catchy title of a homebuyer seminar I’m co-hosting on Wednesday with my colleague Laraine Hsu. After receiving their colorful invitations, a few people have asked what in the world that means.

Here goes an explanation:

1. There’s an X in both SeX and LuXury real estate. Pretty much all property in San Francisco qualifies as “luxury” because luxury is defined as anything selling for at least $1M (entry level in our fair city).

2. Everybody knows that the best time to start investing in real estate (or anything else) is when you’re young. Similarly, the best time to invest in sex (through practice) is when you’re young because – let’s face it – at a certain age you won’t have as much time and freedom to “get lots.”

3. By contrast, studies show that sex in a committed relationship can be more rewarding than NSA hookups. Just as happy homeownership requires a more serious commitment than renting.

4. And yet! It’s important to carefully examine one’s reasons for buying a home because the so-called American Dream of homeownership is not all it’s cracked up to be. Analogously, “Happily Ever After” in marriage is a flat-out fairytale.

5. In pursuit of these dreams, today’s homebuyers and love-and-sex-seekers use a myriad of apps designed to maximize results. Much dysfunctional energy is expended in swiping at devices and checking for updates.

The aim of Wednesday’s “homeworkshop” is to give prospective homebuyers some reassurance – plus practical advice for making the best of their quest for home.

As T.S. Eliot famously said, “Home is where one starts from.” (And, of course, sex is where one starts from, too.)

Join us on Wednesday as we have some good, clean fun while exploring the many paths for finding one’s way home!

Cynthia Cummins is a Top Producer and Partner at McGuire. For info on SF real estate visit http://CynthiaCummins.com.

Lose that collection if you’re selling your San Francisco house!

The key to attracting buyers is your property’s emotional appeal. Open buyers’ hearts and they’ll open their wallets.

But if you over-personalize, you lose some of your audience. It’s important to keep the stage relatively clean and neutral. That way buyers can visualize themselves living in the space – not you.

Here is one basic instruction that’ll prevent over-personalization.

Click on the photo to watch the full video.

Cynthia Cummins is a Top Producer and Partner at McGuire. For info on SF real estate visit http://CynthiaCummins.com. This article was re-posted at McGuire.com.

Remodeling? Watch What You Wish For

I’m good at instant remodeling. I can walk through a property in San Francisco, and add a second bathroom, redo the kitchen, knock out the wall between the living and dining rooms, and landscape the garden.

All in ten minutes.

Verbally.

Luckily, if a client who’s considering a remodel needs more information than what’s available with a wave of my hand, there are professionals who can provide estimates of what renovations will cost.

But there are less-tangible costs that can’t be neatly quantified or anticipated. Some examples:

You lusted after white walls, raw wood and Carrara marble for months before buying your own fixer. For another year, you obsessed over which white, where to put the wood and how to afford the Carrara. Now everybody wants green walls, bamboo floors and mosaic tiles.
Immeasurable cost: The pain of not being able to re-remodel anytime soon.

While the kitchen was being smoked and reborn to the tune of $200K, your family camped out in the dining room for six months with the old fridge, a countertop microwave and a toaster oven. Now it’s all over and you’re missing the intimacy of cramming everything and everybody into one room. It’s lonely in your new culinary showplace.
Immeasurable cost: Realizing that remodeling doesn’t necessarily bring you closer as a family.

Ah, inertia! That pale-blue-on-dark-blue-on-Williamsburg-blue-on-cobalt-blue bathroom really had to go, and you spent $10,000 on plans (and nearly got a divorce arguing over the shower design.) The Japanese-inspired motif was understated and would have been stunning. But instead of hiring a contractor you let 15 years go by and now it’s time to sell. For staging purposes, you pay $500 to have the tub and sink re-porcelained in white. It looks pretty darn good.
Immeasurable cost: Kicking yourself for having not mini-remodeled sooner.

The traffic on your busy street has only gotten worse since you moved in 5 years ago. So, that triple-pane glass you installed made a huge difference. You’re definitely sleeping better. But there’s no getting around the fact that thousands of cars driving by on a daily basis throw a lot of soot into the air. That, coupled with the noise, makes opening the window untenable. You may as well have a solid wall there.
Immeasurable cost: Regret that you didn’t spend an extra $50,000 to buy the property one block removed from the “vibrant” street where you now live.

What you thought would take one year morphed into a five-year project. Now your vacation getaway is finished and it’s truly stunning. It has breathtaking views, an infinity pool, a fire pit and a two-bedroom guest cottage. Too bad your daughter’s in high school now and never wants to go there – with you.
Immeasurable cost: The time you spent poring over tile samples for the kitchen, bath, family room and courtyard could have been devoted to playing on Ocean Beach with your 12-year-old. Before she got a smartphone and ceased knowing you exist.

Moral of the story? Watch what you wish for by taking time to dive deeper into what you really want. I’m expert at guiding you through easy exercises to help shape your vision. A cup of tea, an hour, and we’re done.

Cynthia Cummins is a Top Producer and Partner at McGuire. For info on SF real estate visit http://CynthiaCummins.com.This article was re-posted at McGuire.com.

It’s Raining

When sellers fill out a Real Estate Transfer Disclosure Statement in advance of listing a house for sale, I often hear something like this:

“Remember that huge rainstorm we had last winter? Right around Valentine’s Day? Some water came in along the bottom of this window. See? But, you know, the wind was blowing in this funny direction. It never blows that way. So we think it was a freaky one-time occurrence. Do we need to disclose it?”

“Yes, you need to disclose it,” I will say.

Then my client will ask, “So how do I disclose that? What do I write?”

And I reply, “Write down what you just told me, but don’t theorize about the cause of the leak or suggest it was a freaky one-time occurrence.”

In other words, when it comes to disclosure, there’s no need to put any spin on the truth.

And when in doubt, dear Sellers, ask yourselves, “If we were buying this house, what would we want to know?” Common sense and kindness go a long way toward protecting everyone involved and upholding the spirit of the law regarding disclosure.
However, full disclosure doesn’t mean a new homeowner isn’t going to have water intrusion problems. When rain comes pounding down for 7 weeks in a row, all that water is going to figure out some new places to go.

It’ll makes it way through foundation walls when the earth becomes saturated. It’ll overflow a lightwell when the drain gets overwhelmed or clogged. It’ll creep in the gap created when the wind blew a couple of roof shingles away.

The problem with water intrusion is that it can be mysterious and difficult to diagnose accurately. Better to have a roof leak – usually easily pinpointed and its resolution pretty clear – than a slow-spreading stain down an interior wall or a puzzling puddle in the basement.

In my role as the always-available real estate concierge, I can help. I can’t (usually) stop the water myself, but I can refer you to appropriate tradespeople. Just give me a call, and remember that eventually wet turns to dry. One way or another.

Cynthia Cummins is a Top Producer and Partner at McGuire. For info on SF real estate visit http://CynthiaCummins.com. This article was re-posted at McGuire.com. 

A Winner In The Cards For You

In an increasingly DIY world, buying real estate is a rare exception to the self-serve rule. You can enjoy attentive, committed, knowledgeable service – and it’s free.

Having a guide and ally – your agent – representing you makes for a less stressful and much more rewarding experience. And there are so many agents with so many different styles. Find one whose personality suits you!

Finding the best buyer’s agent in San Francisco 

Cynthia Cummins is a Top Producer and Partner at McGuire. For info on SF real estate visit http://CynthiaCummins.com. This article was re-posted at McGuire.com

Realtor Candy Hearts

You know what I’m talking about. Those pastel-colored heart-shaped sugar lumps stamped with blurry all-caps hashtag-able messages:

BEAR HUG
CLOUD NINE
BE MINE
MY STAR
BEES KNEES

I want the real estate advertisement set.

NEW ON MKT
PANO VU
REDUCED
JUST SOLD
EXCLUSIVE

Or the escrow and lending set.

EARNEST $
COE
WIRE FRAUD
SIGN MY DOC
NO POINTS

Or the real estate/Valentines hybrid with sentiments appropriate for both property-marketing or online-dating purposes.

BE MINE
FALL IN LOVE
PRICELESS
I’M YOURS
JUST LISTED

Or the slightly risqué real estate/Valentine hybrid

MOVE IN
INITIAL DEPOSIT
WET SIGNATURE
ONE OWNER
BIG DECK

Please be my Valentine and send me your favorite candy-heart inscriptions! I’d love to do a follow-up to this post and list them there.

Cynthia Cummins is a Top Producer and Partner at McGuire. For info on SF real estate visit http://CynthiaCummins.com. This article was re-posted at McGuire.com.

Be It Ever So Humble (or Not)

Last year I was privileged to sell a significant and extraordinary home – the grandest of my career.

During the escrow I carefully avoided calculating my commission. Instead I faithfully cleaved to my 29-year practice of bringing the highest level of care to every transaction, regardless of price tag. I rooted myself in my fiduciary role, and I wouldn’t let myself or anyone else count proverbial chickens.

The house was newly constructed on spec, but as soon as I entered I sensed its character. It was grand but homey, impressive but understated. No spurious details or garish flash. (Except perhaps an overabundance of laundry rooms and too many video screens over the family room bar.)

This house felt right. Big, but right.

It was designed and built by people who brought artistry and integrity to their work. People who dreamed into its manifestation and who offered it up for the lucky stewards – my clients – who would make those dreams a reality.

I found myself daydreaming into the house on every visit. There was the window seat where the couple could read side by side on a rainy afternoon. There was the pool where the future kids could swim on a hot, sunny day. There was the outdoor hearth where friends could gather on a crisp Sunday afternoon in October.

The dream was alight in the eyes of the affable listing agent and in the smile of his capable assistant. I watched them watching my clients as they, too, caught the dream. The builder and developer gave us all a grand tour, beaming with pride in their labor. The foyer lit up with our shared excitement.

Of course, even a dream house isn’t perfect. The escrow for its purchase included a few prickly patches. The months ahead would bring punch-list and maintenance issues. And life after closing won’t be “happily ever after” because that only happens in fairytales.

In the aftermath and middle of a real estate transaction, it’s easy to get mired in details of the deal. As an agent, I must focus on the nitty-gritty elements while simultaneously holding to a bigger vision of “home” and what it means for my clients.

In 1987, I sold my very first buyer a home. I remember being deeply worried about my ability to be a “salesperson.” The first surprise of my new career was the discovery that I wasn’t really selling anything. The property sold itself to my client, and I facilitated the purchase.

The second, more profound surprise was that I deeply, earnestly wished for my client to have his dream come true. I wanted him to obtain his personal version of – say – Hearst Castle.

His castle turned out to be a $250,000 condo that needed some cosmetic refreshment. Yet it was located in a pleasant “quintessential-San Francisco” neighborhood and the wee patio outside the living room was sheltered and inviting.

Even as a rookie, I observed how the space spoke to him. I understood how his desire for sanctuary swept him toward making an offer. My job was to help him obtain his ideal SF nest while watching out for his safety and bottom line.

This is something some buyers and sellers (and, regrettably, many agents) don’t grok: The model Realtor makes the sale, but also shares and preserves the client’s vision of home, even when the client loses sight of it.

Mid pleasures and palaces though we may roam
Be it ever so humble, there’s no place like home
–from the song Home! Sweet Home! by Bishop and Payne

Whether it’s a downtown studio condo or a wine-country estate, there truly is no place like home. Holding that dream is my calling.

Cynthia Cummins is a Top Producer and Partner at McGuire. For info on SF real estate visit http://CynthiaCummins.com. This article was re-posted at McGuire.com.

The Nesting Urge

Wise Broker: The nesting urge is strong with this one.

New Sales Associate: How can you tell, oh Broker With Many Designations?

Wise Broker: The signs are many and certain. So we now may name her according to our tradition.

New Sales Associate: By what name would you call her, oh Great GRI Possessor?

Wise Broker: She Who Must Close Escrow By Next Tuesday Or Else. She Who Cannot Choose Between Pastel Yellow and Pastel Green For The Second Bedroom. She Who Travels Many Miles Per Week To Bed, Bath and Beyond For Safety 1st Products.

New Sales Associate: I see, oh Magnificent Managerial One. Tell me, what are the certain signs that you see!

Wise Broker: Two moons have passed since the time of the co-ed shower. No empty signups remain on her Meal Train. Plentiful hooks and shelves are to be erected in the storage room. Full inspections have been made for mold, lead and asbestos, even though the property is only one year old.

New Sales Associate: Are there other signifiers, oh Watcher Of The Company’s Bottom Line?

Wise Broker: Behold how the doula’s phone number is on speed dial. See how the worry lines in her mate’s brow have etched deep like the streams swollen with spring runoff.

New Sales Associate: Can you say, Counselor of Real Estate, which of these men is her mate?

Wise Broker: He who cannot be missed. He is the one who stands three steps behind She Who Pees Every Hour as they do the official walk through.

New Sales Associate: And what is this deferential one called, Former Tennis Pro Turned Realtor?

Wise Broker: Of his many names, these three are best. He Who Speaks Encouragingly As Their Coach Has Instructed. He Who Has No Clue What’s In Store Next. He Who Worries About Paying The Mortgage Now That There Will Only Be One Income.

New Sales Associate: I bow to you, Wise Broker. Your vast knowledge is truly astonishing. How did you come to possess this great wisdom?

Wise Broker: Are you kidding, Rookie Realtor? That part was easy. She is — as you will see when she turns sideways – nearly nine months pregnant.

Cynthia Cummins is a Top Producer and Partner at McGuire. For info on SF real estate visit http://CynthiaCummins.com. This article was re-posted at McGuire.com.

Catering to the Client

The job experience that best prepared me for a future as a Realtor was the year I spent working for a caterer in the resort town of Sun Valley, Idaho.

During that stint, I filled every available role except accounting and planning. I did shopping, ordering, recipe research, food prep and rental management. I worked as server, hostess, cocktail waitress, dishwasher, cook, busboy, sommelier and buckwheat crepe maker.

My boss Susan ran her business out of her house a few miles south of town. In the winter months, her garage served as walk-in cooler and freezer. Especially between Thanksgiving and New Year’s when we had at least one and sometimes three or four parties every day. I’d arrive at Susan’s before breakfast and work all day and night, pausing only to change out of my cooking clothes and into my waiting clothes.

I learned how to be adaptive, attentive and ready to do whatever odd task was essential. That might mean inspecting freshly killed ducks for shotgun pellets. Or putting a client’s kids to bed because the babysitter was a no-show. Or delivering pumpkin pies in a snowstorm.

I particularly recall a New Year’s Eve gig for a famous Motown diva who was wintering in a large and lavish ski “cabin” near Dollar Mountain. She wanted goose with all the trimmings for dinner, followed by brunch the next day. For 50 of her closest friends.

The Wood River Valley was experiencing a cold snap. Cold enough that we’d been chilling wine all week by just setting it outside for half an hour. Cold enough that Susan’s old Suburban wouldn’t start unless it had been plugged into an engine heater. Cold enough that we had to figure out how to safely defrost six frozen (plastic-sealed) geese that had been stored in a snow bank on the shady side of the house.

The solution was to put them in Susan’s bathtub, with some cold water, where they would gradually thaw without blooming with salmonella. It was the only bathroom in the house and the geese needed to defrost for at least 24 hours.

On the day before the diva’s party, I spent the morning prepping bouillabaisse for 100 – up to my elbows in fish and garlic and grossed out from all the shrimp deveining I’d done. It was imperative that I shower before heading out to tend bar and serve food.

So I ended up taking a cold shower while straddling the cold geese in Susan’s cold tub in cold water up over my cold ankles.

And while my job as a Realtor can be quite lovely and even glamorous, there are always times when I have to improvise and do the job nobody else wants to do: Use a paper clip to unlock the bedroom door where an open-house visitor has inadvertently trapped the tenants’ cats. Clean up raccoon poop from the tradesway. Persuade a homeless person to find another doorway to sleep in. Unclog a commode. Shine up a splattered kitchen faucet using toilet paper. Put an onion in the oven to mask last night’s fish smell.

Whatever it takes. Whatever is needed. I know how to cater, and I can shower with frozen geese.

Cynthia Cummins is a Top Producer and Partner at McGuire. For info on SF real estate visit http://CynthiaCummins.com. This article was re-posted at McGuire.com.

Boogie-Boarding Home

During our initial interview, my client Sandra handed me a spreadsheet. It specified all the features her new home should have, arranged in descending order of importance. Here are the top 10.

  1. Fireplace
  2. Parking
  3. Single family home
  4. Not on a busy street
  5. View of some water
  6. 3 bedrooms or 2 + den
  7. 2 bathrooms
  8. Walk to coffee
  9. In-unit laundry.
  10. East of Arguello and north of Fell

We conducted an exhaustive search, touring and/or considering several dozen properties over a dozen weeks.

Guess how many of those top-10 features her eventual home included? Two. The property was on a quiet block and had its own washer and dryer.

This incongruity between aspiration and actuality happens because our dream of home can’t be translated neatly into a checklist. There are too many intangibles.

In Sandra’s case, she knew her future home (a condo, not a single family home) was “the place” as soon as we entered the front door. And I guessed it from the hesitant excitement I read in her sideways glance towards me.

“Property sells itself” is one of my favorite real-estate adages. By that I mean there’s nothing anyone can say to “sell” someone on the desirability of a home. The buyer either feels it, or they don’t feel it.

It’s like boogie-boarding. You belly onto the wave as soon as you enter a property, but you sense almost instantly whether or not you’ll ride the board into shore.

It’s kismet. It’s chemistry. It’s love, not real estate.

Cynthia Cummins is a Top Producer and Partner at McGuire. For info on SF real estate visit http://CynthiaCummins.com. This article was re-posted at McGuire.com.