Asked when is the best time to buy a house in San Francisco, I’ll usually say “now.” (Click here for a demonstration of that.)

And you might say, “Well, Cynthia, of course that’s your answer because you’re a real estate agent and of course you want people to buy now.”

But that’s not true for me (unless it is someone else’s buyer considering my seller’s listing).

When representing buyers, I’m more inclined to discourage than encourage offers. If a property doesn’t seem like the right fit for my clients, or if I think its price falls beyond my clients’ reach, I say so.

At the same time, after 30+ years in the business, I’ve witnessed the market’s reliability over several economic cycles. The direction is pretty much up, especially if you’re holding for 5 years.

With very few exceptions, SF homeowners will tell you that purchasing their home was the wisest, luckiest investment they ever made.

But you have to pay to play since nothing happens on the sidelines.

As Navjot Singh Sidhu said, “Nothing ventured, nothing gained. And venture belongs to the adventurous.”

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